{"id":11532,"date":"2022-04-19T16:21:58","date_gmt":"2022-04-19T14:21:58","guid":{"rendered":"https:\/\/bohemia-mallorca.com\/bohe01\/business-customers\/health-civil-liability\/"},"modified":"2023-07-29T17:53:57","modified_gmt":"2023-07-29T15:53:57","slug":"health-civil-liability","status":"publish","type":"page","link":"https:\/\/bohemia-mallorca.com\/en\/business-customers\/health-civil-liability\/","title":{"rendered":"Health Civil Liability"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; el_class=&#8221;fixed-back-bild&#8221; el_id=&#8221;haftpflicht-fuer-das-gesundheitswesen&#8221;][vc_column offset=&#8221;vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][vc_single_image image=&#8221;42551&#8243; img_size=&#8221;bohe-back&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; el_class=&#8221;fixed-back-bild&#8221;][vc_column offset=&#8221;vc_hidden-lg&#8221;][vc_single_image image=&#8221;42547&#8243; img_size=&#8221;bohe-back&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; full_height=&#8221;yes&#8221; columns_placement=&#8221;bottom&#8221; content_placement=&#8221;bottom&#8221; css_animation=&#8221;none&#8221; el_class=&#8221;super-balke-container-big&#8221;][vc_column][vc_row_inner el_class=&#8221;super-balke-slider&#8221; css=&#8221;.vc_custom_1689240904976{background-color: rgba(120,104,122,0.67) !important;*background-color: rgb(120,104,122) !important;}&#8221;][vc_column_inner][superbalke_father slides=&#8221;4&#8243;][superbalke_son numbericon=&#8221;one&#8221; produkt_link=&#8221;url:%23this|title:Health%20Civil%20Liability|rel:nofollow|&#8221; color=&#8221;rgba(46,40,47,0.45)&#8221;]<em>Cover for general practitioners and specialists<\/em>[\/superbalke_son][superbalke_son numbericon=&#8221;two&#8221; produkt_link=&#8221;url:%23this|title:Health%20Civil%20Liability|rel:nofollow|&#8221; color=&#8221;rgba(46,40,47,0.45)&#8221;]<em>For aesthetic, beauty and tattoo centres<\/em>[\/superbalke_son][superbalke_son numbericon=&#8221;three&#8221; produkt_link=&#8221;url:%23this|title:Health%20Civil%20Liability|rel:nofollow|&#8221; color=&#8221;rgba(46,40,47,0.45)&#8221;]<em>Comprehensive insurance solutions tailored to your needs<\/em>[\/superbalke_son][superbalke_son numbericon=&#8221;four&#8221; produkt_link=&#8221;url:%23this|title:Health%20Civil%20Liability|rel:nofollow|&#8221; color=&#8221;rgba(46,40,47,0.45)&#8221;]<em>Also suitable for naturopaths<\/em>[\/superbalke_son][\/superbalke_father][vc_btn title=&#8221;read more&#8221; shape=&#8221;round&#8221; color=&#8221;btn-circle-down&#8221; link=&#8221;url:%23this|title:Health%20Civil%20Liability|&#8221; el_id=&#8221;this&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1689241064043{background-color: #7fa7bd !important;}&#8221;][vc_column][vc_custom_heading text=&#8221;<strong>Health<\/strong> <em>Civil Liability<\/em>&#8221; font_container=&#8221;tag:h1|text_align:left|color:%23645a84&#8243; el_class=&#8221;invert&#8221;][vc_column_text el_class=&#8221;checklist&#8221;]<\/p>\n<p><strong>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.<\/strong><\/p>\n<p>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.<\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;16490&#8243; el_class=&#8221;bild_opacity&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;3\/4&#8243;][vc_column_text]<\/p>\n<ul>\n<li>Beauty and tattoo studios<\/li>\n<li>Medical professionals<\/li>\n<li>Practices \/ naturopathic therapies<\/li>\n<li>Hospitals (with hospitalisation)<\/li>\n<li>Health care facilities<\/li>\n<li>Laboratories \/ clinical studies<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; content_placement=&#8221;top&#8221; el_class=&#8221;super-balke-container-small&#8221;][vc_column][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1689241072257{background-color: #7fa7bd !important;}&#8221; el_class=&#8221;bullets-block&#8221;][vc_column][vc_custom_heading text=&#8221;<strong>Tailored<\/strong> <em>to your needs<\/em>&#8221; font_container=&#8221;tag:p|text_align:left|color:%23645a84&#8243; css_animation=&#8221;fadeInRight&#8221; el_class=&#8221;heading-size-1 invert&#8221;][vc_custom_heading text=&#8221;What covers are there in health liability?&#8221;][vc_column_text]<\/p>\n<ul>\n<li>Professional Liability\n<ul>\n<li>Protects the insured person&#8217;s assets against claims for damages from third parties arising in the exercise of the insured person&#8217;s professional activity.<\/li>\n<\/ul>\n<\/li>\n<li>Liability for the exercise of business activities\n<ul>\n<li>Covers damage to third parties caused by the business structure in the exercise of its own activities.<\/li>\n<\/ul>\n<\/li>\n<li>Employer&#8217;s liability\n<ul>\n<li>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.<\/li>\n<\/ul>\n<\/li>\n<li>Breach of the Personal Data Protection Act (LOPD).\n<ul>\n<li>Protects against claims for professional errors and omissions causing damage to third parties.<\/li>\n<\/ul>\n<\/li>\n<li>Embezzlement of employee funds\n<ul>\n<li>Protects the insured against claims resulting from an intentional act of an employee with the intent to cause a loss.<\/li>\n<\/ul>\n<\/li>\n<li>Tenant&#8217;s liability\n<ul>\n<li>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.<\/li>\n<\/ul>\n<\/li>\n<li>Damage to files and documents\n<ul>\n<li>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.<\/li>\n<\/ul>\n<\/li>\n<li>Libel or Slander\n<ul>\n<li>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.<\/li>\n<\/ul>\n<\/li>\n<li>Food contamination\n<ul>\n<li>The insurance covers claims by patients or employees for poisoning caused by food or drink served on the premises.<\/li>\n<\/ul>\n<\/li>\n<li>Liability Radioactive installations\n<ul>\n<li>Protects the insured against claims from injured parties arising from the use of the radioactive facility specified in the policy.<\/li>\n<\/ul>\n<\/li>\n<li>Accidental contamination\n<ul>\n<li>Protection in case of personal injury, material damage and indirect damage caused to third parties due to accidental contamination.<\/li>\n<\/ul>\n<\/li>\n<li>Extended legal defence\n<ul>\n<li>against unfounded claims due to fraudulent acts<\/li>\n<li>against loss of prestige<\/li>\n<li>in case of attacks on the doctor<\/li>\n<li>for claims related to defective products<\/li>\n<li>Legal assistance in the event of witness statements<\/li>\n<li>Advantages of liability insurance for healthcare institutions<\/li>\n<\/ul>\n<\/li>\n<li>Legal protection and guarantees\n<ul>\n<li>Guarantees legal protection and the provision of the necessary sureties in the event of a claim giving rise to legal proceedings.<\/li>\n<\/ul>\n<\/li>\n<li>Professional prohibition\n<ul>\n<li>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.<\/li>\n<\/ul>\n<\/li>\n<li>Compensation after termination of the employment relationship\n<ul>\n<li>Compensation claims for damages that may be caused by work in the course of business (after termination of employment).<\/li>\n<\/ul>\n<\/li>\n<li>Retroactivity\n<ul>\n<li>Claims received during the period of validity of the policy are covered, even if the event occurred before the policy was taken out.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1689241080265{background-color: #7fa7bd !important;}&#8221; el_class=&#8221;two-column-imageback details&#8221;][vc_column css=&#8221;.vc_custom_1690645803583{background-image: url(https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2023\/06\/gesundheitswesen-haftpflicht-versicherung-mallorca-quer-jpg.webp?id=42551) !important;}&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; el_id=&#8221;tothetop&#8221; el_class=&#8221;two-columns&#8221;][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1689241090794{border-right-width: 1.5rem !important;border-bottom-width: 1.5rem !important;border-left-width: 1.5rem !important;border-left-color: #7fa7bd !important;border-left-style: solid !important;border-right-color: #7fa7bd !important;border-right-style: solid !important;border-bottom-color: #7fa7bd !important;border-bottom-style: solid !important;}&#8221;][vc_custom_heading text=&#8221;Liability insurance for general practitioners and specialists&#8221; font_container=&#8221;tag:div|text_align:left&#8221; link=&#8221;url:%23block-one|title:Liability%20insurance%20for%20general%20practitioners%20and%20specialists|&#8221; css=&#8221;.vc_custom_1669032217831{background-color: #3d9be9 !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1689241099852{border-right-width: 1.5rem !important;border-bottom-width: 1.5rem !important;border-left-width: 1.5rem !important;border-left-color: #7fa7bd !important;border-left-style: solid !important;border-right-color: #7fa7bd !important;border-right-style: solid !important;border-bottom-color: #7fa7bd !important;border-bottom-style: solid !important;}&#8221;][vc_custom_heading text=&#8221;Surgeons Aesthetic, beauty and tattoo centres&#8221; font_container=&#8221;tag:div|text_align:left&#8221; link=&#8221;url:%23block-two|title:Surgeons%20Aesthetic%2C%20beauty%20and%20tattoo%20centres|&#8221; css=&#8221;.vc_custom_1669032225471{background-color: #78687a !important;}&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; el_class=&#8221;two-columns&#8221;][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1689241107869{border-right-width: 1.5rem !important;border-bottom-width: 1.5rem !important;border-left-width: 1.5rem !important;border-left-color: #7fa7bd !important;border-left-style: solid !important;border-right-color: #7fa7bd !important;border-right-style: solid !important;border-bottom-color: #7fa7bd !important;border-bottom-style: solid !important;}&#8221;][vc_custom_heading text=&#8221;Liability for naturopathic treatments&#8221; font_container=&#8221;tag:div|text_align:left&#8221; link=&#8221;url:%23block-three|title:Liability%20for%20naturopathic%20treatments|&#8221; css=&#8221;.vc_custom_1669032234573{background-color: #666666 !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1689241116979{border-right-width: 1.5rem !important;border-bottom-width: 1.5rem !important;border-left-width: 1.5rem !important;border-left-color: #7fa7bd !important;border-left-style: solid !important;border-right-color: #7fa7bd !important;border-right-style: solid !important;border-bottom-color: #7fa7bd !important;border-bottom-style: solid !important;}&#8221;][vc_custom_heading text=&#8221;Liability insurance for residential facilities&#8221; font_container=&#8221;tag:div|text_align:left&#8221; link=&#8221;url:%23block-four|title:Liability%20insurance%20for%20residential%20facilities|&#8221; css=&#8221;.vc_custom_1669032241613{background-color: #81c1ba !important;}&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1689241124741{background-color: #7fa7bd !important;}&#8221; el_class=&#8221;details&#8221;][vc_column][vc_row_inner el_id=&#8221;block-one&#8221; el_class=&#8221;blocks&#8221;][vc_column_inner el_class=&#8221;round-center&#8221; css=&#8221;.vc_custom_1654886829820{background-color: #3d9be9 !important;}&#8221;][vc_column_text]<\/p>\n<p><strong>Liability insurance for general practitioners and specialists<\/strong><br \/>\nMedical 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.<\/p>\n<p>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.<br \/>\nThese claims are of such a nature that they may jeopardise the physician&#8217;s own assets.<\/p>\n<p>This insurance is specifically designed for the different professional groups working in the different specialties of medicine:<\/p>\n<ul>\n<li>Doctors: working alone or in joint practices, whether public, private or mixed.<\/li>\n<li>Health professionals:\n<ul class=\"two-columns-list\">\n<li>Nurses<\/li>\n<li>Speech therapists<\/li>\n<li>Psychologists<\/li>\n<li>Opticians<\/li>\n<li>Dental technicians<\/li>\n<li>Pharmacists<\/li>\n<li>Laboratory technicians<\/li>\n<li>Podiatrists<\/li>\n<li>Nutritionists<\/li>\n<li>Physiotherapists<\/li>\n<li>Podiatrists<\/li>\n<li>Osteopaths<\/li>\n<li>Social workers<\/li>\n<li>Veterinary<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_btn title=&#8221;Top&#8221; color=&#8221;btn-top&#8221; align=&#8221;right&#8221; link=&#8221;url:%23tothetop|title:top|rel:nofollow|&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_id=&#8221;block-two&#8221; el_class=&#8221;blocks&#8221;][vc_column_inner el_class=&#8221;round-center&#8221; css=&#8221;.vc_custom_1654886909305{background-color: #78687a !important;}&#8221;][vc_column_text]<strong>Surgeons Aesthetic, beauty and tattoo centres<\/strong><\/p>\n<p>The guideline has been developed for treatment centres, administration, practices, therapeutic and cosmetic applications.<\/p>\n<p>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.<\/p>\n<p>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.<\/p>\n<p>Who is the insurance aimed at?<\/p>\n<ul>\n<li>Group 1:<br \/>\nHairdressing 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.<\/li>\n<li>Group 2:<br \/>\nLaser 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.<\/li>\n<li>Group 3:<br \/>\nThe 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.<br \/>\nCentres performing aesthetic surgical treatments or requiring hospitalisation are covered by the products of health facilities and hospitalisation centres.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_btn title=&#8221;Top&#8221; color=&#8221;btn-top&#8221; align=&#8221;right&#8221; link=&#8221;url:%23tothetop|title:top|rel:nofollow|&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_id=&#8221;block-three&#8221; el_class=&#8221;blocks&#8221;][vc_column_inner el_class=&#8221;round-center&#8221; css=&#8221;.vc_custom_1654887009310{background-color: #666666 !important;}&#8221;][vc_column_text]<strong>Liability for naturopathic treatments<\/strong><\/p>\n<p>What is liability insurance for naturopathic treatments and alternative medicine?<\/p>\n<p>The effectiveness of naturopathic and alternative medicine is demonstrated by the growing number of people who rely on it.<br \/>\nOf 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.<\/p>\n<p>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.<\/p>\n<p>What procedures and applications do we refer to?<\/p>\n<ul class=\"two-columns-list\">\n<li>Acupuncture<\/li>\n<li>Dry needling<\/li>\n<li>Food allergy<\/li>\n<li>Body harmony<\/li>\n<li>Aromatherapy<\/li>\n<li>Autogenic training<\/li>\n<li>Ayurveda<\/li>\n<li>Biokinetics<\/li>\n<li>Biomechanics<\/li>\n<li>Buteyko<\/li>\n<li>Chi-Machura<\/li>\n<li>Cymatic<\/li>\n<li>Craniosacral<\/li>\n<li>Stress management<\/li>\n<li>Kinetic energy<\/li>\n<li>Alexander Lessons<\/li>\n<li>Shell Essence<\/li>\n<li>Vibrational essences<\/li>\n<li>Phytotherapy<\/li>\n<li>Bach Flowers<\/li>\n<li>Tonic-Gyro<\/li>\n<li>Gyrokinesis<\/li>\n<li>Hydrotherapy<\/li>\n<li>Hypnosis<\/li>\n<li>Homeopathy<\/li>\n<li>Hypertonx<\/li>\n<li>Masseur<\/li>\n<li>Melchidez Method<\/li>\n<li>Mezieres Method<\/li>\n<li>Moxibustion<\/li>\n<li>Myo Chi<\/li>\n<li>Naturopathy<\/li>\n<li>Neurotherapy<\/li>\n<li>Ohashiatsu<\/li>\n<li>Water pressure<\/li>\n<li>Neurolinguistic Programming<\/li>\n<li>Psychodynamics<\/li>\n<li>Psychotherapy<\/li>\n<li>Kinesiology<\/li>\n<li>Radiation<\/li>\n<li>Radionics<\/li>\n<li>Foot reflexology<\/li>\n<li>Reiki<\/li>\n<li>Relaxation<\/li>\n<li>Breathing<\/li>\n<li>Seikisoho<\/li>\n<li>Seitai<\/li>\n<li>Siatsu<\/li>\n<li>Synergy<\/li>\n<li>Skenar<\/li>\n<li>Tai-Chi<\/li>\n<li>Ear heat therapy<\/li>\n<li>Biomagnetic therapy<\/li>\n<li>Regression therapies<\/li>\n<li>Yoga<\/li>\n<li>Natural healing<\/li>\n<li>Energy healing<\/li>\n<li>Zen therapy<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_btn title=&#8221;Top&#8221; color=&#8221;btn-top&#8221; align=&#8221;right&#8221; link=&#8221;url:%23tothetop|title:top|rel:nofollow|&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_id=&#8221;block-four&#8221; el_class=&#8221;blocks&#8221;][vc_column_inner el_class=&#8221;round-center&#8221; css=&#8221;.vc_custom_1654887044783{background-color: #81c1ba !important;}&#8221;][vc_column_text]<strong>What is liability insurance for residential facilities?<\/strong><\/p>\n<p>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.<\/p>\n<p>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.<\/p>\n<p>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.[\/vc_column_text][vc_btn title=&#8221;Top&#8221; color=&#8221;btn-top&#8221; align=&#8221;right&#8221; link=&#8221;url:%23tothetop|title:top|rel:nofollow|&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1689241136334{background-color: #7fa7bd !important;}&#8221; el_class=&#8221;details&#8221;][vc_column][bohe_carousel_father vertikalalign=&#8221;slider-center&#8221;][bohe_carousel_son contentheader=&#8221;&#8221;]<strong>Why do I need civil liability insurance for a care home? What can happen?<\/strong><\/p>\n<ul>\n<li>Food poisoning<\/li>\n<li>Inmates of a facility can be affected by an outbreak of salmonellosis.<\/li>\n<li>The facility receives claims for compensation and has to pay for the treatment of affected patients.<\/li>\n<li>Damage to records<\/li>\n<li>Accidental deletion of patient records at a hospital<\/li>\n<li>Accident<\/li>\n<li>An occupant of the facility suffers an accident when he slips on the freshly mopped floor due to poor signage.<\/li>\n<li>Penalty or fine<\/li>\n<li>LOPD (Data protection) sanction<\/li>\n<\/ul>\n<p>[\/bohe_carousel_son][bohe_carousel_son contentheader=&#8221;&#8221;]<strong>Who is civil liability insurance for hospitals aimed at?<\/strong><br \/>\nThis insurance is aimed at hospitals and health centres with surgical procedures and hospital stays.<\/p>\n<p><strong>Why should I take out civil liability insurance?<\/strong><br \/>\nInpatient facilities are companies that are highly exposed to the risk of personal injury to clients and employees. Due to the nature of their products and technologies, they can cause very serious damage, the claims of which can even threaten the assets of the facility and its managers.[\/bohe_carousel_son][bohe_carousel_son contentheader=&#8221;&#8221;]<strong>To whom does the liability of the medical centre and the clinic and outpatient clinic apply?<\/strong><\/p>\n<ul>\n<li>Dental clinics<\/li>\n<li>Diagnostic and imaging centres<\/li>\n<li>Ophthalmology clinics<\/li>\n<li>Specialised medical clinics without surgery<\/li>\n<li>Clinical analysis laboratories or clinics with outpatient surgery without hospitalisation<\/li>\n<li>Psychology and speech therapy clinics<\/li>\n<li>Physiotherapy and rehabilitation clinics<\/li>\n<\/ul>\n<p>[\/bohe_carousel_son][\/bohe_carousel_father][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1689241148443{background-color: #7fa7bd !important;}&#8221; el_class=&#8221;super-balke-container-big&#8221;][vc_column][vc_row_inner el_class=&#8221;super-balke-slider&#8221; css=&#8221;.vc_custom_1689596180616{background-color: rgba(120,104,122,0.67) !important;*background-color: rgb(120,104,122) !important;}&#8221;][vc_column_inner][superbalke_father slides=&#8221;4&#8243;][superbalke_son color=&#8221;rgba(46,40,47,0.45)&#8221; produkt_link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221;]<em>We speak your language<\/em><\/p>\n<p>We advise you in your mother tongue.[\/superbalke_son][superbalke_son color=&#8221;rgba(46,40,47,0.45)&#8221; produkt_link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221;]<em>Advice<\/em><\/p>\n<p>Your insurance tailored to your needs.[\/superbalke_son][superbalke_son color=&#8221;rgba(46,40,47,0.45)&#8221; produkt_link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221;]<em>Experience<\/em><\/p>\n<p>Many years of experience in the Spanish insurance market.[\/superbalke_son][superbalke_son color=&#8221;rgba(46,40,47,0.45)&#8221; produkt_link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221;]<em>Throughout Spain<\/em><\/p>\n<p>We offer service throughout Spain.[\/superbalke_son][\/superbalke_father][vc_btn title=&#8221;more details&#8221; shape=&#8221;round&#8221; color=&#8221;btn-circle-down&#8221; align=&#8221;center&#8221; link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221; el_class=&#8221;bohe-open-weitere&#8221;][vc_btn title=&#8221;close&#8221; shape=&#8221;round&#8221; color=&#8221;btn-circle-up&#8221; align=&#8221;center&#8221; link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221; el_class=&#8221;bohe-close-weitere&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1689241157450{background-color: #7fa7bd !important;}&#8221;][vc_column][vc_row_inner el_id=&#8221;contact-forms&#8221;][vc_column_inner width=&#8221;1\/2&#8243; el_id=&#8221;anfrage&#8221;][vc_btn title=&#8221;Calculate offer&#8221; shape=&#8221;square&#8221; color=&#8221;btn-weiter-small&#8221; align=&#8221;center&#8221; button_block=&#8221;true&#8221; el_class=&#8221;bohe-anfrage-open&#8221; link=&#8221;url:%23|title:Calculate%20offer|rel:nofollow|&#8221; css=&#8221;.vc_custom_1687595786595{margin-bottom: 0px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; el_id=&#8221;termin&#8221;][vc_btn title=&#8221;Arrange appointment&#8221; shape=&#8221;square&#8221; color=&#8221;btn-weiter-small&#8221; align=&#8221;center&#8221; button_block=&#8221;true&#8221; el_class=&#8221;bohe-termin-open&#8221; link=&#8221;url:%23|title:Arrange%20appointment|rel:nofollow|&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; 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full_width=&#8221;stretch_row_content_no_spaces&#8221; css=&#8221;.vc_custom_1679997029430{background-color: #f4ebd0 !important;}&#8221; el_class=&#8221;dunkel&#8221;][vc_column]<div class=\"wpb_content_element footer-line dunkel\">Didn't find what you were looking for? <a href=\"\/en\/contact\/\" class=\"bohe-weiter\">Write to us<\/a><\/div>[vc_custom_heading text=&#8221;Our insurance companies&#8221; font_container=&#8221;tag:h3|text_align:center&#8221; link=&#8221;url:%2Fen%2Four-insurance-companies%2F|title:Our%20insurance%20companies|&#8221; el_class=&#8221;heading-size-3&#8243;]\t\n\t\t<div id=\"gs_logo_area_1\" class=\"gs_logo_area gs_logo_area_1 slider1\" style=\"opacity: 0; visibility: hidden;\">\n\t\t\t<div class=\"gs_logo_area--inner\">\n\t\n\t\t\t\t\n<div class=\"gs_logo_container gs_carousel_swiper gs_logo_fix_height_and_center\" data-carousel-config='{\"direction\":\"horizontal\",\"speed\":500,\"isAutoplay\":true,\"autoplayDelay\":2000,\"loop\":true,\"pauseOnHover\":true,\"ticker\":false,\"navs\":false,\"navs_pos\":\"bottom\",\"dots\":false,\"dynamic_dots\":true,\"slideSpace\":10,\"slidesPerGroup\":1,\"desktopLogos\":5,\"tabletLogos\":3,\"mobileLogos\":2,\"reverseDirection\":false}'>\n\n\t\n\t\t\n\t\t\t<div class=\"gs_logo_single--wrapper\">\n\t\t\t\t<div class=\"gs_logo_single\">\n\n\t\t\t\t\t<!-- Logo Img -->\n\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2022\/11\/dkv-seguros-mallorca-versicherungen-salud-gesundheit-espana.png\" class=\"gs-logo--img wp-post-image\" alt=\"DKV seguros Mallorca\" title=\"1-DVK\" \/>\n\t\t\t\t\t<!-- Logo Title -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<!-- Logo Category -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\n\t\t\t<div class=\"gs_logo_single--wrapper\">\n\t\t\t\t<div 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-->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\n\t\t\t<div class=\"gs_logo_single--wrapper\">\n\t\t\t\t<div class=\"gs_logo_single\">\n\n\t\t\t\t\t<!-- Logo Img -->\n\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2022\/11\/allianz-seguros-mallorca-versicherung-auto-coche-spanien.png\" class=\"gs-logo--img wp-post-image\" alt=\"Allianz seguros Mallorca\" title=\"4-Allianz\" \/>\n\t\t\t\t\t<!-- Logo Title -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<!-- Logo Category -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\n\t\t\t<div class=\"gs_logo_single--wrapper\">\n\t\t\t\t<div class=\"gs_logo_single\">\n\n\t\t\t\t\t<!-- Logo Img -->\n\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2023\/07\/alc_logo.png\" class=\"gs-logo--img wp-post-image\" alt=\"ALC global health seguros Mallorca\" title=\"ALC global health\" \/>\n\t\t\t\t\t<!-- Logo Title -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<!-- Logo Category -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\n\t\t\t<div class=\"gs_logo_single--wrapper\">\n\t\t\t\t<div class=\"gs_logo_single\">\n\n\t\t\t\t\t<!-- Logo Img -->\n\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"170\" src=\"https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2022\/11\/Arag-Seguros-Mallorca-Versicherungen-Spanien-Rechtsschutz-Defensa-Juridica-300x170.png\" class=\"gs-logo--img wp-post-image\" alt=\"Arag seguros\" title=\"Arag\" srcset=\"https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2022\/11\/Arag-Seguros-Mallorca-Versicherungen-Spanien-Rechtsschutz-Defensa-Juridica-e1743351683908.png 300w, https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2022\/11\/Arag-Seguros-Mallorca-Versicherungen-Spanien-Rechtsschutz-Defensa-Juridica-768x436.png 768w, 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class=\"gs_logo_single\">\n\n\t\t\t\t\t<!-- Logo Img -->\n\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"94\" src=\"https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2023\/01\/Berkley-Seguros-Mallorca-Versicherung-Spanien-300x94.png\" class=\"gs-logo--img wp-post-image\" alt=\"Berkley seguros Mallorca\" title=\"Berkley\" srcset=\"https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2023\/01\/Berkley-Seguros-Mallorca-Versicherung-Spanien-e1673947732828.png 300w, https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2023\/01\/Berkley-Seguros-Mallorca-Versicherung-Spanien-500x157.png 500w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\n\t\t\t\t\t<!-- Logo Title -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<!-- Logo Category -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\n\t\t\t<div class=\"gs_logo_single--wrapper\">\n\t\t\t\t<div class=\"gs_logo_single\">\n\n\t\t\t\t\t<!-- Logo Img -->\n\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2023\/07\/calife_by_mgcmutua.png\" class=\"gs-logo--img wp-post-image\" alt=\"CA Life by MGC Mutua seguros Mallorca\" title=\"CA Life by MGC Mutua\" \/>\n\t\t\t\t\t<!-- Logo Title -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<!-- Logo Category -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\n\t\t\t<div class=\"gs_logo_single--wrapper\">\n\t\t\t\t<div class=\"gs_logo_single\">\n\n\t\t\t\t\t<!-- Logo Img -->\n\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"127\" src=\"https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2022\/12\/Caser-Seguros-Mallorca-Versicherung-Spanien-e1743351789482.png\" class=\"gs-logo--img wp-post-image\" alt=\"Caser seguros\" title=\"Caser\" \/>\n\t\t\t\t\t<!-- Logo Title -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<!-- Logo Category -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\n\t\t\t<div class=\"gs_logo_single--wrapper\">\n\t\t\t\t<div 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