Tips to Avoid Being at Risk of Acupuncture Claims

Hear from the Insured Acupuncturists Acupuncture is a therapeutic practice and form of medicine that has been around for centuries. It involves the insertion of very thin needles, cupping on the skin, microcurrents and more. Today we’re here to talk to you about frequently asked questions from our insured acupuncturists, what they do, and how to protect your business with acupuncture insurance from Beauty and Bodywork Insurance (BBI). Frequently Asked Questions from Our Insured Acupuncturists When getting started with an acupuncturist insurance policy, you’ll have several questions. We’re here to help you understand the basics, with the top five frequently asked questions from our insured acupuncturists. Q: What does the BBI acupuncture insurance policy cover? A: There isn’t a blanket statement for all policies, but a policy can have up to a $3,000,000 general and professional liability aggregate, a $3,000,000 products and completed operations aggregate, personal and advertising injury, and a $2,000,000 limit for each occurrence. Q: What is an additional insured? A: An additional insured is a business or organization that has a share in the coverage that a direct insured has purchased. One additional insured is $15, and to have an unlimited amount of additional insureds costs $30. An additional insured cannot make a claim on your policy, but they are included in the coverage for an accident or injury which you may cause. Q: What do I do if I need to file a claim? A: In order to file a claim, the incident must occur during the policy period and be reported to us during the policy period or extended reporting period. To file a claim, simply log in to your account and on the home screen, you will see a button that says “File a Claim.” Fill out the required information and click submit. Q: Will this policy cover me wherever I go? A: Yes, the Beauty and Bodywork Insurance policy provides insurance wherever you may perform your bodywork services. Also, your equipment is protected under the inland marine coverage. This insurance covers tangible property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are part of the structure. Q: Can I pay for this policy monthly? A: Yes, you can pay for your policy monthly or annually; the choice is yours. The monthly cost is only $43. What do Acupuncturists Do and Why? Now let’s get into a few of the practices of acupuncturists. Needles. The most well-known practice that acupuncturists do is inserting thin needles into the skin at strategic points of the body. These needles are commonly used to treat pain and for overall wellness, including stress management. The needles are commonly placed on the neck, lower back, and the temple area on the face. Cupping. A more recent, fast-growing acupuncturist practice is known as cupping. Hot cups are placed on the back of an individual to form a suction on the skin. This form of alternative medicine helps with pain relief and muscle relaxation, and can increase blood flow to a particular muscle region. Cupping also eases deep scar tissue and reduces swelling and muscle knots. Microcurrent. Microcurrent therapy is the application of frequency specific electrical currents to an injured area of the body. This form of therapy helps tissue heal quicker and provides pain relief. Microcurrent therapy helps restore the electromagnetic field in your body and helps it return back to normal, allowing your cells to repair themselves and your body to heal. Some of the conditions that microcurrent therapy can treat are fibrosis, headaches, concussions, and bone fractures. Why do Acupuncturists Need Insurance? Acupuncturists, like any other practicing professional, need to make sure that their business is insured. We know that you do your best to ensure a safe environment, but accidents happen. There are many possible claims that clients can file against you, resulting in a lawsuit. Before you start practicing, make sure that you have an acupuncture insurance policy in place. Beauty and Bodywork Acupuncture Insurance One of the best ways to increase your professional security is to purchase acupuncture insurance to shield you against third-party damage claims and lawsuits filed due to alleged negligence on your part. BBI offers you: General & Professional Liability Aggregate (Malpractice Insurance)i $3,000,000 Products & Completed Operations Aggregatei $3,000,000 Personal & Advertising Injuryi Included Each Occurrencei $2,000,000 Damage to Premises Rented to youi $300,000 BBI also offers each insured individual or business a badge to display your proof of insurance on your website and business card. This gives you a competitive edge against acupuncturists who choose to run their business without coverage. You can check out BBI’s website today to see details of different policies and to purchase today. We’ve made it easy for you, so you can purchase your acupuncture insurance online in just 10 minutes. If you have additional questions or any concerns, feel free to contact one of our agents at 877-536-7290. We’re always happy to help! You can never go wrong by playing it safe. Purchase an acupuncturist insurance policy today through Beauty and Bodywork Insurance (BBI) here. All insurance policies have conditions, limitations and exclusions. Please refer to the policy for exact coverages.

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