Workers' compensation covers treatment and lost wages. Bloodborne pathogen exposure is the leading claim in this setting, so post-exposure protocols also affect your loss history.
If you arrange or provide transport, yes. Commercial auto or hired and non-owned auto applies depending on whether you own the vehicles.
Chronic care means records held for years, which deepens breach exposure considerably. Cyber liability covers HIPAA notification, forensics and regulatory defense.
Water treatment failures causing patient harm fall under malpractice. This is a well-documented claim pattern in dialysis, so confirm your carrier understands the exposure.
It can be both. Equipment breakdown covers the machine and lost income; malpractice responds if a patient is harmed. Water treatment failures commonly trigger both at once.
