Allied Health Care Sample Claims Home Business Insurance, Home-Based Business Insurance

Massage/Spa Services: Rose Spa and Salon is scheduled to
host Mary’s bridal shower party for a two hour massage and
day spa session for all nine bridesmaids. Due to a booking
error, the morning of the event, Mary receives a phone call
from Rose Spa saying they need to reschedule for the week
after. Mary is furious as she had paid for four of her guests to
fly in from out of state to attend the event. She is unable to
find another venue at such short notice and sues the spa for
$1,600 to recoup the airline fees for the booking mistake.
Dental Assistant/Hygienist: Steven is a dental hygienist
working for Dr. Muller. While assisting Dr. Muller on a routine
cleaning, he accidently cuts a patient’s gum with his dental
instrument. He stops the bleeding and notifies Dr. Muller of
the cut, but no further action is taken. Four months later,
Steven receives notice of a lawsuit demanding $5,000 for an
infection that caused the patient to lose his tooth. Because
Steven was an independent contractor not covered under
Dr. Muller’s dental malpractice insurance, he soon finds
himself in severe debt trying to pay for lawyer fees and
unpaid leave from work.
Home Health Aide (non-medical): Happy Home Helpers is a
small home health aide company with five employees
including Beth. Beth has been assigned work at the home of
an elderly couple needing daytime assistance. She has been
working with the couple for almost six months when a family
emergency forces her to take a leave from work. Happy
Home Helpers quickly replaces Beth’s role with another
employee who is not as familiar with the couple’s daily
routine. Unhappy with the new helper’s services and the next
two replacements following, the couple begins calling in
complaints to the company. Not getting the response or
apology they want from Happy Home Helpers, the couple
files a lawsuit against the company for professional
negligence for $2,500. Although the lawsuit is closed in favor
of Happy Home Helpers, the small company is not able to
sustain the defense costs of the long running lawsuit and is
forced to shut down.

Mental Health Counselor: Neil and Kimberly seek the
assistance of Paul Lawson, a relationship/divorce therapist,
in order to save their marriage. With two successful
businesses they co-own and run, they financially have a lot
at stake. Utilizing a combination of individual and joint
sessions with the counselor, they proceed with weekly
sessions for close to a year. After a few months, Neil begins
to suspect that Mr. Lawson is manipulating Kimberly’s
individual sessions to expedite the divorce process rather
than to resolve their differences. He is furious when
Kimberly serves him with divorce papers including a demand
for sole ownership of the two businesses. Neil blames Mr.
Lawson for swaying Kimberly’s decision and files a $15,000
lawsuit against him.
Physical Therapist: Craig is a machine operator and sole
breadwinner for his family. One weekend, he is in a car
accident causing back and shoulder injuries. He attempts to
return to work after a few weeks off, but struggles to perform
his job duties. His boss offers him a desk job with a pay cut
that his family cannot afford. He seeks the help of a physical
therapist to work on healing his shoulder injury quickly.
During his first session, the physical therapist manipulates
his shoulder to the point where Craig is now in more pain
than when he began. As a result, he is now forced to accept
the desk job. He sues the physical therapist for $4,500 for
aggravating the injury further and money lost due to his
demotion.
Social Worker: As part of her role as a social worker running
a caregiver support group, Tammy hears many stories of
how her support group attendants cope with the stresses of
taking care of seriously ill family members. As an additional
service, she begins giving lectures across the country on the
same topics using some of the real life experiences from her
group sessions as examples. After a two month lecture tour,
she receives a notice of a lawsuit from a former support
group attendant suing her for $5,000 for invasion of privacy
for detailing his experiences as a caregiver in her nationwide
lecture without his permission or consent. Word spreads and
other caregivers follow with letters of complaints. Although no
additional lawsuits are filed, Tammy is fearful that she may
be sued by multiple parties.

*NOTE: Sample claims may be based on real cases or fictional examples and no coverage is guaranteed or afforded by any information provided on this page or this website. Your policy may or may not have any of the coverages shown in this sample. Policies vary based on terms, coverages, conditions, and exclusions Please check with your state and local jurisdiction for rules on operating a business. Coverage options vary by business, location, and are all subject to underwriting approval. The information is purely for educational purposes and not quoted from any legal source. This document does not amend, extend or alter the coverage afforded by the policy. For a complete under standing of any insurance you purchase, you must read your Policy, Declarations Page and any Endorsements, and discuss them with your broker. Your actual policy terms and conditions may be amended by Endorsement or affected by state laws.

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Sample Claims - Allied Healthcare Claims