Healthcare professional liability insurance

• Insure from €20 per month
• Insured against property damage resulting from misdiagnosis and professional errors
• Reimbursement of legal costs of defense (if any)
• Choice of all insurers in the Netherlands
• Compare and close 24/7
• Fast, free cancellation service

• Premium effective date
• Professional activity practiced by you
• Expected sales (excluding VAT)
• Education level of directors, partners and/or officers of the company you work for.

If you are a healthcare entrepreneur, then it is almost a "must" that you are properly insured. This is because proper protection provides a degree of peace of mind so that you can focus fully on your work. For example, choose legal expenses insurance to have legal advisors support you when you have a conflict with a client. After all, a client can always have a different opinion and feel that you have misdiagnosed him or her. Should you experience this, you will find it difficult to defend yourself without legal knowledge. Should a client be vindicated, it is good to have professional liability insurance in healthcare.

Professional liability insurance for self-employed healthcare professionals is largely focused on caregivers who visit clients in their homes. Functions that can be considered are: the general practitioner, physical therapist, maternity care and district nurse. In most cases, professional liability insurance for health care providers is customized by the insurer to the specific risks faced by a particular profession. For example, a family physician has different responsibilities than a district nurse. For example, a general practitioner may be ultimately responsible in making a diagnosis and a district nurse may not.

Most insurers allow you to extend your coverage as you see fit. Of course, Alpina's insurance specialists are happy to take this off your hands.

Healthcare professional liability insurance covers you against intangible damages in healthcare. This includes damages resulting from misdiagnosis. Another possibility is financial damages. For example, because you advised a client to take an expensive treatment that later turned out to be completely unnecessary. Do you want to prevent financial damages from being recovered from your company? Then professional liability insurance in health care offers a solution. Damage includes, damage you caused yourself or damage caused by one of your employees.

Of course, you will not be obligated to anything. However, it is recommended that you purchase healthcare professional liability insurance. Some of the reasons why this is recommended are:

• Mandated by clients, such as hospitals and home care organizations;
• Prerequisite for membership in a trade or professional association;
• General terms and conditions often do not provide sufficient protection;
• Professionals insure their assets against professional misconduct.

There are times when self-employed healthcare professionals may be denied when applying for professional liability insurance. It is not just among self-employed healthcare professionals that some insurers find it difficult to obtain professional liability insurance. It is also a more common problem among notaries and lawyers. Fortunately, there remain plenty of insurers you can turn to as a self-employed healthcare professional for your professional liability insurance. Alpina always knows how to find insurance appropriate to your situation.

Do you work for a company of which you are not the owner? Then you do not have to take out professional liability insurance yourself, but your employer is responsible for this. Ask your employer what you are insured for. This way you can avoid wrong or insufficient coverage.

It is wise to compare different insurers and professional liability insurance policies. It will give you a good idea of the insurer that can offer you professional liability insurance with the best coverage at the lowest price. There are several factors that determine the amount of premium for healthcare professional liability insurance. Consider, for example, your turnover, a possible group discount and the amount of your deductible. Would you prefer to outsource this puzzle tour? Alpina's insurance specialists will be happy to assist you and come up with an insurance that best suits your situation. Feel free to contact them at: 088-688 3712 or via our contact form.