Tipos de cobertura de seguros para profesionales de la salud y médicos

Los profesionales de la salud y la medicina, como dentistas, quiroprácticos y veterinarios, brindan servicios que pueden conllevar algún riesgo. Proteger tu negocio con una póliza de seguro de negocio de Allstate puede ayudar a darte tranquilidad y a proteger el negocio que tanto has trabajado para construir.

A continuación hay coberturas que pueden estar disponibles para tu negocio. Un agente de Allstate también puede ayudar a explicar qué coberturas son estándar y cuáles están disponibles como complementos para que puedas crear una póliza de propietario de negocio (BOP) que se ajuste a tus necesidades. Algunas coberturas están sujetas a deducibles y límites.

Explore property coverages

Property risks Allstate coverage
An animal is injured while in your care
If you're a veterinarian, a pet could be in an exam room waiting to be seen when a fire breaks out and the animal could get injured.
Animal Bailee Coverage
This provides coverage when an animal is in your care and gets injured. This coverage is optional for veterinarians and provides different protection from professional liability coverage.
Power outage
The utility company's transformer blows and you lose power to your business.
Spoilage Coverage
This coverage helps reimburse you for perishable items that spoil due to a power outage. This is normally an optional coverage, however, it is included in an endorsement for veterinarians.
Building or property damage
If your business building or business property are destroyed due to a covered loss, such as a fire or theft, costs could add up quickly.
Business Building/Personal Property Coverage
This coverage pays to repair or replace your owned business building and/or your business personal property, up to the limits you select.
Stolen cash
Money stolen from your company in a theft or burglary could lead to hardship.
Money and Securities Coverage
This optional coverage helps protect your business against loss of money or securities due to theft, disappearance or destruction. This coverage may provide reimbursement whether the loss occurred on or off your business premises.
You can't open your business
Your business is damaged due to a fire and you cannot operate until repairs are made.

Business Income and Extra Expense Coverage
This coverage helps with loss of income and fixed expenses, such as rent or payroll, while your business is temporarily closed for repairs after a covered loss.

This coverage provides your business with up to 12 months of coverage.

Damaged documents
A pipe bursts and leaks over a filing cabinet that contains critical documents. Many documents are damaged and others are completely destroyed.
Valuable Papers and Records
This helps cover the cost of restoring important business documents that are damaged or destroyed by a covered loss. This coverage is included in the basic BOP and can be increased if you opt for additional coverage.
Billing records are destroyed
There is a fire and your company's billing records are destroyed. This makes it difficult for you to collect payments from customers.
Accounts Receivable Protection
This covers the increased cost of collecting payments and the expense of reestablishing the records of accounts receivable.
Employee dishonesty
Your business receives checks, credit card payments and sometimes cash for work that you do. When reviewing the receipts for the week, you notice that the deposits were lower than usual.
Employee Dishonesty Coverage
This coverage helps pay for a loss if an employee steals money or property from your business. It is typically an optional coverage.
Computer hack
It is discovered that someone hacked into your bank account and transferred funds out of your account.
Computer Fraud and Funds Transfer Fraud Coverage
These optional coverages kick in if someone uses a computer to fraudulently transfer money, securities or other property to someone else.
Damage to property while off premise
While in transit to a customer or vendor's location, you are involved in an accident and your tools and equipment are damaged.
Property in Transit/Off Premises
This covers your business property while it's away from your location and/or being transported by vehicle to another location. This coverage is usually optional but is included in Allstate's Business Insurance policy for health and personal care businesses.
Computer virus attack
You get an email from a client, but you open it to discover that it contains a virus.

Electronic Data Coverage
These optional coverages kick in if someone uses a computer to fraudulently transfer money, securities or other property to someone else.

This coverage is included in a basic BOP, but you have the option to increase coverage limits.

Explore liability coverages

Liability risks Allstate coverage
Injury lawsuit
You are sued because somebody was injured after slipping on a recently mopped floor at your business.
General Liability Protection
This provides coverage for injury to others at your premises and helps protect you from lawsuits filed against you.

Client lawsuit
A client follows your advice, but it does not turn out the way they expected, and they sue you.

For example, you're a pharmacist and a customer experienced a negative reaction after taking a prescription that was filled incorrectly. Or, you are a veterinarian and a customer's pet is injured during a procedure or while in your care.

Pharmacists Professional Liability Coverage
If you're a pharmacist, this coverage helps when legal obligations arise out of a professional error, negligent act or omission while practicing your profession, up to your coverage limit.

Veterinarian's Professional Liability Coverage
This provides coverage for veterinarians that are sued after making a professional error or performing a negligent act while working, up to your coverage limit.

Wrongful termination lawsuit
A former employee sues you for wrongful termination.
Employment Practices Liability Coverage
This provides coverage and support in the event of a lawsuit related to wrongful termination, sexual harassment or discrimination. This is typically an optional coverage.
Customer data loss or theft
Customers' confidential personal and financial data that you maintain is lost or stolen.
Data Compromise Coverage
This optional coverage provides case management, legal support, credit monitoring and legally required notifications after customer data is affected.

Explore auto coverages

Auto risks Allstate coverage
An employee causes an accident
While performing work for you, your employee gets into an accident and causes injury or damage to another person or their property. You could be held liable.
Liability Protection
This coverage helps pay for someone else's medical bills and/or repairs to their vehicle, even if it's due to your employee's negligence.
Vehicle damage
Damage to your vehicle, whether your driver was at fault or not, can result in unexpected repair bills.
Collision Coverage
This protection pays to repair damage or replace your car if it is a total loss.
Hail damage
Hail can cause damage to your business vehicle, such as large dents and broken glass.
Comprehensive Coverage
This protection pays to repair hail damage to your business vehicle. This coverage may also help repair damage from other non-accident-related events, such as fire, theft or vandalism.
You are injured by an uninsured driver
If you or your employee are in a collision with an uninsured driver and sustain serious injuries, your livelihood could be at risk.
Uninsured Motorist Coverage
This coverage helps pay for your medical bills if you are injured in an accident that is caused by a driver with no insurance. Or, you may have the protection you need, depending on your policy's bodily injury limit. (Coverage restrictions apply in some states, so be sure to talk to your agent.)
You owe money on a damaged vehicle
If you still owe money on a loan or lease, you could be responsible for the cost of replacing the vehicle after an accident.
Lease and Loan Gap Coverage
This helps you pay off your car loan if your vehicle is totaled or stolen and the amount you owe is more than the car's depreciated value. This coverage comes standard in an Allstate Business Auto Insurance policy.

Descarga nuestra guía de conversación con agentes

Como dueños de negocios, los agentes de Allstate tienen una comprensión única de las necesidades y preguntas que puedas tener al seleccionar un plan de seguros. Para ayudar a prepararte para una conversación con tu agente, hemos compilado una guía útil de discusión .

revisar la guía

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