Do I still need malpractice if I have a BOP?

Yes. A BOP handles premises and property; malpractice addresses clinical services. Most IV operations carry both.

Does a BOP cover mobile IV work?

GL typically follows you to client sites, but property limits off-premises can be low. Consider scheduled equipment or inland marine for mobile gear.

What BI limit should we pick?

Start with monthly revenue plus continuing expenses multiplied by likely downtime, and add extra expense. Use the on-page calculator, then refine with your broker.

Is cyber covered by the BOP?

Only minimally, if at all. Pair a Cyber/Privacy policy for PHI/PII breaches, ransomware, and regulatory defense.

Can landlords demand $2M/$4M?

Yes—some do. We can quote higher GL limits under your BOP or add an umbrella to meet contract terms.

BOP for IV Therapy | Property, GL & Business Interruption

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