That shifts more weight toward product and general liability. Tell your carrier, since retail dispensing is underwritten differently from clinical practice.
Yes. Patient records and payment data trigger HIPAA obligations regardless of practice size, and breach response costs are the same for a solo office.
Yes. Misdiagnosis, missed pathology and inaccurate testing are clinical claims, and referral failures are a recurring pattern in audiology.
Property covers fire and theft. Equipment breakdown covers internal failure, which is how audiometric equipment usually fails.
Potentially, as the dispenser. Product liability responds to the device; malpractice responds to fitting and diagnostic decisions. Dispensing audiologists usually need both.
