Dialysis Center Insurance

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From treatment complications to staff getting injured or falling sick while on the job - dialysis centers are exposed to a tremendous amount of risk that can get them into legal trouble.

With the right dialysis center insurance policy in place - your business will be protected from patient lawsuits or staff claims in the event of an accident.

How Much Does Dialysis Center Insurance Cost?

The total cost you will be expected to pay for your dialysis center insurance will vary as there are many factors that can bump the price up or bring the price down.

The average dialysis center in the United States pays around $65 per month or about $780 per year on business owner’s insurance.

For general liability insurance, you can be expected to pay around $42 per month or $504 per year. This policy will cover your business in case a client falls down the stairs and gets a fracture and decides to sue your business. It covers general third-party injuries and property damage.

In compliance with state rules and regulations, business owners need to secure the well-being of their employees and equip them with adequate insurance support. For $70 per month or $825 per year, you can get workers’ compensation insurance. This policy will provide cover for your employees in case they get sick or injured at the job. It will cover their lost wages, medical bills, hospital expenses, and other costs associated with the accident.

Allegations of neglect or professional mistakes resulting in physical harm can shut down your dialysis center indefinitely. Professional liability insurance costs the average dialysis center in the U.S. $290 per month, or $3,480 per year, and covers costs, fees, and expenses related to medical malpractice claims.

If your dialysis center has company cars, then commercial auto insurance will be required. This policy costs around $140 per month or $1,680 per year and provides cover not only for your vehicles but also staff and any third party involved in the accident.

Your client’s information might be compromised in the event of a cybersecurity attack. To prevent costly lawsuits, you should take out cyber liability insurance, which costs around $290 per month or $3,480 per year.

What Types of Insurance Do Dialysis Centers Need?

Dialysis centers often have several insurance policies to choose from. However, it’s important to remember that the level of cover you need will strongly depend on various factors such as the number of staff your business employs, the services your business provides, the state you operate out of, the size of your business, and others.

For a more detailed breakdown of the most recommended policies for dialysis centers, please take a look below.

Why Do Dialysis Centers Need Insurance?

Dialysis centers have to sustain a level of cleanliness to lessen their client's exposure to various infectious diseases. If your property is not well-maintained, not only will it be physically hazardous, but it could also potentially bring a list of liabilities for your business if a client or a staff member fell sick as a result.

Your staff are not invulnerable to injuries resulting from workplace accidents. If incidents like these happen inside your dialysis center, this could lead to multiple claims and ruin your credibility as an employer and business.

Accusations of fraud or misconduct can put you out of business indefinitely. The litigation that follows these situations could be extensive, and the ensuing legal fees can result in large amounts of debt, which can ruin your business financially.

Other expenses related to equipment damage, theft, or even vandalism should also be taken into account as they can be extensive if an unfortunate event unfolds.

Without an insurance policy, your business will have to cover all of the costs including legal fees, compensations and reimbursements, and other costs associated with accidents that take place within the premises of your business.

In other cases, dialysis centers simply need to take out a certain level of coverage by law. Otherwise, their license can be revoked.

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