Health Civil Liability
General liability insurance is aimed at any type of self-employed person or company that may cause damage to a third party in the course of its activity.
Health liability insurance protects the assets of health professionals who cause damage to third parties in the exercise of their professional activity in the health sector.
- Beauty and tattoo studios
- Medical professionals
- Practices / naturopathic therapies
- Hospitals (with hospitalisation)
- Health care facilities
- Laboratories / clinical studies
Tailored to your needs
What covers are there in health liability?
- Professional Liability
- Protects the insured person’s assets against claims for damages from third parties arising in the exercise of the insured person’s professional activity.
- Liability for the exercise of business activities
- Covers damage to third parties caused by the business structure in the exercise of its own activities.
- Employer’s liability
- Covers the liability of the employer or the company for claims for personal injuries suffered by its employees in the event of an accident at work.
- Breach of the Personal Data Protection Act (LOPD).
- Protects against claims for professional errors and omissions causing damage to third parties.
- Embezzlement of employee funds
- Protects the insured against claims resulting from an intentional act of an employee with the intent to cause a loss.
- Tenant’s liability
- Protects the insured against a claim by the owner of the premises for damage caused by water, fire or explosion on the premises while the insured is renting the premises.
- Damage to files and documents
- Covers damage to patient files and documents that are in the possession of the insured person for the development of the administration entrusted to the insured person in the exercise of his profession and that are destroyed or damaged by a cause attributable to the insured person.
- Libel or Slander
- Protects the insured against claims for compensation for primary pecuniary damage caused to a third party by defamation or slander, unintentionally injuring their honour, dignity or reputation in the exercise of their profession.
- Food contamination
- The insurance covers claims by patients or employees for poisoning caused by food or drink served on the premises.
- Liability Radioactive installations
- Protects the insured against claims from injured parties arising from the use of the radioactive facility specified in the policy.
- Accidental contamination
- Protection in case of personal injury, material damage and indirect damage caused to third parties due to accidental contamination.
- Extended legal defence
- against unfounded claims due to fraudulent acts
- against loss of prestige
- in case of attacks on the doctor
- for claims related to defective products
- Legal assistance in the event of witness statements
- Advantages of liability insurance for healthcare institutions
- Legal protection and guarantees
- Guarantees legal protection and the provision of the necessary sureties in the event of a claim giving rise to legal proceedings.
- Professional prohibition
- Compensation in the event that the insured person is legally condemned to a special professional prohibition, dismissal from service or suspension from employment and salary.
- Compensation after termination of the employment relationship
- Compensation claims for damages that may be caused by work in the course of business (after termination of employment).
- Retroactivity
- Claims received during the period of validity of the policy are covered, even if the event occurred before the policy was taken out.
Liability insurance for general practitioners and specialists
Medical professionals are under a great deal of pressure, as their possible errors can have a direct impact on the health or appearance of their patients.
It is important to bear in mind that medical professionals not only have to deal with claims brought for obvious errors in the practice of medicine, but also with claims based on subjective criteria, even if they are later dismissed by higher courts.
These claims are of such a nature that they may jeopardise the physician’s own assets.
This insurance is specifically designed for the different professional groups working in the different specialties of medicine:
- Doctors: working alone or in joint practices, whether public, private or mixed.
- Health professionals:
- Nurses
- Speech therapists
- Psychologists
- Opticians
- Dental technicians
- Pharmacists
- Laboratory technicians
- Podiatrists
- Nutritionists
- Physiotherapists
- Podiatrists
- Osteopaths
- Social workers
- Veterinary
Surgeons Aesthetic, beauty and tattoo centres
The guideline has been developed for treatment centres, administration, practices, therapeutic and cosmetic applications.
Specialised aesthetic and beauty centres (hairdressing salons, beauty centres and beauty salons) offer their clients more and more services and, at the same time, more sophisticated services based on the use of technological products and equipment that can cause serious harm to the clients. Both this aspect and the fact that these are establishments where people are cared for and treated pose a significant risk.
Ultimately, these are facilities that are highly exposed to claims for damages that may jeopardise the assets of the facility and its managers. These areas of risk make it advisable for the owners and managers of these facilities to protect their assets and those of the company itself against claims which, due to their nature, can be of great significance.
Who is the insurance aimed at?
- Group 1:
Hairdressing salons, manicure/pedicure, make-up, manual massage without the use of machines, tanning salons, tattoo and piercing salons without surgical procedures, hospitalisation or laser treatments. - Group 2:
Laser treatments (hair removal and photoepilation), micropigmentation, eyebrow tattooing, microblading, plasmapen, dermapen, hiaulorupen, dermabrasion, electrocosmetic lifting, removal of varicose and spider veins, vessel removal, and removal of blemishes and/or tattoos and piercings (including lingual and genital). Also included are cavitation, vacuum therapy, radiofrequency, pressotherapy, electro-stimulation, lymphatic drainage and electro-aesthetic lifting. - Group 3:
The therapies in groups 1 and 2 plus: Botox, hyaluronic acid and/or similar treatments, provided they are performed by doctors and/or, in the case of hyaluronic acid, by dermo-aesthetic nurses.
Centres performing aesthetic surgical treatments or requiring hospitalisation are covered by the products of health facilities and hospitalisation centres.
Liability for naturopathic treatments
What is liability insurance for naturopathic treatments and alternative medicine?
The effectiveness of naturopathic and alternative medicine is demonstrated by the growing number of people who rely on it.
Of the many and varied techniques grouped under this heading, some have a direct impact on health, while others are essentially aimed at the well-being or comfort of the user. In either case, their application to the health of the user poses a risk to the facility and its managers, as complaints from customers may arise.
On the other hand, naturopathic and alternative medicine centres usually have employees and staff, and are logically open to the public. Two factors, in addition to those mentioned above, make the facility very vulnerable to claims that may threaten the assets of the facility and its managers.
What procedures and applications do we refer to?
- Acupuncture
- Dry needling
- Food allergy
- Body harmony
- Aromatherapy
- Autogenic training
- Ayurveda
- Biokinetics
- Biomechanics
- Buteyko
- Chi-Machura
- Cymatic
- Craniosacral
- Stress management
- Kinetic energy
- Alexander Lessons
- Shell Essence
- Vibrational essences
- Phytotherapy
- Bach Flowers
- Tonic-Gyro
- Gyrokinesis
- Hydrotherapy
- Hypnosis
- Homeopathy
- Hypertonx
- Masseur
- Melchidez Method
- Mezieres Method
- Moxibustion
- Myo Chi
- Naturopathy
- Neurotherapy
- Ohashiatsu
- Water pressure
- Neurolinguistic Programming
- Psychodynamics
- Psychotherapy
- Kinesiology
- Radiation
- Radionics
- Foot reflexology
- Reiki
- Relaxation
- Breathing
- Seikisoho
- Seitai
- Siatsu
- Synergy
- Skenar
- Tai-Chi
- Ear heat therapy
- Biomagnetic therapy
- Regression therapies
- Yoga
- Natural healing
- Energy healing
- Zen therapy
What is liability insurance for residential facilities?
These areas of risk make it advisable for the owners and managers of these facilities to protect their assets and those of the facility itself against claims.
Liability insurance for inpatient facilities is a policy designed specifically for inpatient facilities. Not only do they have specific coverage adapted to their characteristics, but they also have the protection of a company with extensive experience and recognised reputation in the field of civil liability at an international level.
Bohemia Mallorca trusts in the products of all well-known insurance companies in Spain. We can offer insurance from DKV, Zurich, Axa, Reale, Mapfre, Racc, Fiatc, Asisa, Arag, Berkley, Allianz, Hiscox, Generali, Ergo and Helvetia. Bohemia Mallorca is present throughout Spain.
