Summit Commercial Insurance Solutions
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Health & Wellness Insurance

Malpractice, general liability, and property coverage for clinics, studios, and practitioners. Protecting health and wellness professionals.

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The Challenges

Risks unique to health & wellness.

Professional Liability

Patient care creates malpractice exposure regardless of practice size.

Regulatory Compliance

Healthcare regulations impose strict requirements on facilities and practitioners.

Employee Injuries

Physical work environments have inherent workplace safety risks.

Equipment Investment

Specialized medical and fitness equipment represents significant capital.

Coverage

Coverage types for health & wellness companies.

Every business is different. We'll work with you to build a coverage package that addresses your specific risks and meets your contractual requirements.

Professional Liability / Malpractice
Commercial General LiabilityCommercial Property
Equipment Breakdown
Cyber Liability
Employment Practices Liability

Why Summit

Why health & wellness companies choose Summit.

1

Health and wellness specialists

2

Coverage for traditional and alternative practitioners

3

Fast certificates for facility requirements

4

Experience with multi-practitioner clinics

Common Questions

Health & Wellness insurance FAQs.

Do I need malpractice insurance if I work at a clinic?+
Yes. While clinic policies may provide some coverage, individual practitioners should carry their own malpractice insurance to protect their personal assets and professional license.
Is coverage available for alternative medicine practitioners?+
Yes. We work with underwriters who cover chiropractors, naturopaths, massage therapists, acupuncturists, and other alternative practitioners.
What is the difference between occurrence and claims-made policies?+
Occurrence policies cover incidents that happen during the policy period regardless of when claims are filed. Claims-made policies cover claims filed during the policy period. Most professional liability is claims-made.
Does my policy cover employees and contractors?+
It depends on your policy structure. Employees are typically covered, but independent contractors may need their own coverage. We can help structure coverage appropriately.

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