Ask about abuse allegation defense. It's usually an endorsement rather than standard.
Yes, and they're a leading claim. Documented protocols are your primary defense.
It depends on scope. Treatment and rehabilitation may call for malpractice; conditioning work sits under professional liability.
Only if off-site work is contemplated. Disclose where you actually work, including travel with teams.
Fraud is a crime
If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.
Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.
