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Doctors Office InsuranceComprehensive Business Insurance is essential for any medical business, including doctor's offices. Healthcare businesses are often under a significant amount of pressure to reduce liability risks. Avoiding a malpractice lawsuit may be your top priority and the biggest component of your business's insurance needs. However, Business Insurance extends further and can provide a wide range of resources to protect your building, your equipment and many of your other assets as well.

Several types of insurance exist to protect your doctor's office. Whether you run the office or you are the owner of it, it's important to get the right type and amount of coverage — so keep these tips in mind.

Property Insurance

Perhaps the easiest way to protect your business from equipment loss is to use your current property insurance. Most coverage for property can also extend to equipment (though you may need additional riders for full coverage).

That said, this coverage will provide only a basic level of protection for your medical offices. Property coverage may be capped at a certain value. Additionally, a property claim must be the result of a covered event, such as a fire, theft or weather-related event.

Equipment Insurance

Faulty office equipment or medical equipment can be very hard and expensive to replace. When something goes down, you may find it difficult for you to keep using your system. However, with the help of a specialized equipment policy, you can reduce these risks significantly. This type of policy can help ensure your equipment is covered against malfunction, damage or theft.

When selecting any type of Equipment Insurance, be sure to select a plan with as few limitations as possible. Additionally, you'll need a policy that offers a high enough limit to cover the value of replacing your equipment.

Talk to your insurance agent about your specific needs. A comprehensive equipment policy is often necessary for even small or moderately sized businesses because of the sheer risk to your company of this type of loss. However, you can find affordable, comprehensive and customizable insurance policies available to meet these needs.

We've got you covered. Call Full Armor Insurance Services, LLC at (208) 664-6000 for more information on Idaho business insurance.
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