General Liability
The policy for everything that happens in your premises that is not treatment. A patient slips in reception. A delivery driver trips on a cable. Someone is injured by furniture, not by a needle.
The claim that actually happens
A patient falls in the treatment room after a procedure
Whether this is professional or general liability turns on why she fell. Post-procedure dizziness is arguably treatment. A wet floor is not. Practices carrying only professional liability find out which one it was after the claim arrives.
What it responds to
- Bodily injury to third parties on your premises
- Property damage you cause to others
- Personal and advertising injury
- Products liability on goods you sell, on most forms
- Defense costs
- Tenant legal liability for the space you occupy
What people assume it covers, and it does not
- Injury caused by treatment you delivered, which is professional liability
- Injury to your own employees, which is workers compensation
- Damage to your own premises or contents, which is property
Who usually does not have this
Practices operating from a room inside somebody else's business. Suite renters and salon based injectors frequently assume the landlord's policy is enough. A landlord's policy is written for the landlord's own exposures, and a renter is a separate business with its own.