insurance for family counseling services
Westwood will work with you to ensure your family counseling clients have adequate coverage for every threat they could face.
General Liability Insurance
General Liability insurance cover medical expenses and attorney fees which result from bodily injuries and property damage that your company or organization could be legally responsible for.
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance (E&O), protects your business against claims of negligence, malpractice, errors, and omissions which may have occurred during the fulfillment of a professional service.
Directors and Officers Liability (D&O) insurance
D&O insurance (Directors and officers liability insurance), shields the personal assets of company directors and officers, and where necessary, their spouses, from claims which could arise as a result of the decisions they made and actions they took within the scope of their regular duties.
Cyber liability insurance covers the financial costs associated with a breach of your cyber security, such as a ransomware attack. It also covers first party costs including event management, data restoration, financial costs to third parties, network interruption, and cyber extortion.
HNOA, (hired non-owned auto insurance) is designed for organizations who regularly hire vehicles or require employees to use their own vehicles in the course of their work. In the case of an accident where your employee was liable, it could cover physical damage to that other person’s vehicle, medical expenses, the cost of hiring an attorney to defend your business.
Workers’ Comp. Insurance
Workers’ compensation insurance covers your employees for workplace injuries or illness. It provides them with medical and wage benefits.
This coverage is mandated by each state, with the wage and medical benefits varying from state to state. Workers compensation also protects business owners from civil suits by workers who become injured on the job.
Employment Practices Liability
Employment practices liability insurance (EPL insurance or EPLI), covers employers (PDF) against claims made by employees for:
- Discrimination (based on sex, race, age or disability, for example)
- Wrongful termination
- Failure to promote and other employment-related issues
Environmental Liability insurance
Environmental Liability insurance is liability insurance specifically designed to protect environmental liabilities. This is a specialized form of general, commercial liability insurance that provides financial protection against litigation and clean-up costs resulting from claims of injury or damage caused by pollution, contamination or hazardous waste disposals.
Property Insurance covers unexpected damage or loss to property. The policy can be purchased to cover both structures and contents, which are separate policies in many cases. Property Insurance covers physical structures, not land. Medical facilities and aged care facilities need property insurance to cover the real property and all fixed items such as furniture, medical equipment, art works and tapestries.
Crime Insurance covers the insured party a reimbursement if their property is damaged due to a crime. Crime Insurance usually has a huge range of options and comes in different forms. It can be either a rider that can be attached to the existing insurance policy, or it is available as a completely separate product.
Auto insurance is a type of liability insurance coverage, usually mandated by law, for all mechanically propelled vehicles. It provides protection against losses resulting from traffic accidents and against liability that could also arise therefrom. A medical or aged care facility would typically have auto insurance on their fleet of vehicles as well as for any vehicles transporting patients to and from the facility.
Fully/Partially Funded insurance
Partially Funded insurance gives facilities the opportunity to pay a set premium for, and then in turn is partially covered for specific risks.
Fully Funded Insurance allows facilities to pay premiums to have coverage against all risks. In return, if they are unfortunate enough to incur any of the covered loss or injury, they are reimbursed their insurance policy amount.
Excess and umbrella coverage
Excess coverage provides an additional layer of protection over and above what an underlying policy provides. It applies to a single policy only.
An umbrella policy on the other hand, provides additional liability coverage over and above what is provided by a number of underlying policies.
family counseling services require special coverage
Family counseling services face many challenges in todays demanding environment. One of the most significant challenges is the need to provide services that are both effective and affordable. In addition, counseling services must be able to meet the needs of a diverse population, including families from different cultural backgrounds.
Other challenges faced by family counseling services include the need to keep up with the latest research and developments in the field, as well as the need to maintain a high level of professional standards. With the ever-changing landscape of family counseling, it can be difficult to stay abreast of all the latest information and developments.
Despite the challenges faced by family counseling services, there are many reasons why counseling can be an important and beneficial service for families. Counseling can provide families with the opportunity to resolve conflict, improve communication, and develop stronger relationships. Counseling can also help families to cope with stress, deal with grief and loss, and make important life decisions. When families receive counseling services that are effective and affordable, they can reap many benefits.
As an experienced insurance agent, you must ensure your family counseling services clients are covered with general liability insurance as this will protect their business from the legal and financial challenges that might be faced.
General liability insurance for family counseling services is important because it can protect your business from the legal and financial challenges that might be faced. Without this coverage, you could be held responsible for any damages that occur as a result of your work, which could include property damage, personal injury, or even wrongful death. General liability insurance can help to protect their business from these risks, and it can also provide them with the peace of mind that comes with knowing they are protected.
Depending on the size of the counseling service and the number of people they hire, there could be a number of additional policies that may be recommended, such as Professional liability insurance which can protect the individual counsellors from claims that arise from errors or omissions in their work.
By working with the Westwood Insurance Group, you will be able to tailor the best package of policies to ensure your family counseling services have the best available coverage.