insurance for alcohol & drug rehabilitation clinics

insurance for alcohol & drug rehabilitation clinics

Westwood will work with you to ensure your Alcohol & drug rehabilitation clinic has the most suitable insurance coverage for every threat you could face.

Get a Quick Quote on Liability Insurance

why do alcohol & drug rehab clinics need insurance?

Alcohol and drug rehabilitation clinics face numerous challenges that necessitate the need for malpractice or liability insurance. Here are key areas where rehabilitation clinics are vulnerable to being sued for malpractice:

  1. Failure to Provide Adequate Care or Treatment: This can include ineffective treatment plans, failure to address co-occurring mental health disorders, inadequate supervision, or not providing evidence-based treatments, leading to claims if the patient does not achieve expected outcomes or suffers harm.
  2. Medication Errors: Inaccurate prescribing, administering, or managing withdrawal medications can have serious consequences, particularly given the vulnerability of patients in withdrawal. Errors can lead to adverse reactions, overdose, or insufficient management of withdrawal symptoms.
  3. Neglect and Abuse: Allegations of physical, emotional, or sexual abuse by staff members, as well as neglect of patients’ basic needs, can result in serious legal and reputational damage.
  4. Improper Use of Restraints: The use of physical or chemical restraints must be carefully justified and documented. Improper or excessive use can lead to claims of abuse or violation of patients’ rights.
  5. Failure to Prevent Harm: This includes failing to prevent self-harm, suicide, or harm to others within the facility. Facilities have a duty to ensure a safe environment, and failure to do so can lead to malpractice claims.
  6. Breach of Confidentiality: Unauthorized disclosure of a patient’s treatment or personal information can result in lawsuits for violating privacy laws and eroding trust in the facility.
  7. Failure to Obtain Informed Consent: Clinics must ensure that patients (or their legal guardians) are fully informed about the risks and benefits of treatment options and that consent is obtained before proceeding. Failure to do so can lead to claims if patients suffer unexpected complications or outcomes.
  8. Withdrawal and Detoxification Management: Inadequately managed withdrawal or detoxification processes can lead to severe physical or psychological consequences. Clinics are expected to have protocols in place to manage these risks effectively.
  9. Inadequate Training and Supervision of Staff: Staff must be adequately trained and supervised to provide high-quality care. Claims may arise if staff negligence or incompetence leads to patient harm.

Malpractice or liability insurance provides financial protection against claims of negligence or malpractice, covering legal defense costs, settlements, and judgments. For alcohol and drug rehabilitation clinics, this insurance is crucial for mitigating the financial risks associated with providing care to a vulnerable patient population.

what types of insurance do alcohol & drug rehabilitation clinics need?

General Liability Insurance

General Liability Insurance

General Liability covers medical expenses and attorney fees which result from bodily injuries and property damage that your facility or organization could be legally responsible for.

Professional Liability Insurance

Professional Liability Insurance

Also known as malpractice insurance, this  protects facilities against claims related to malpractice, negligence, or injury resulting from resident care. Staff members will typically be covered by professional liability insurance.

Sexual Abuse and Molestation Insurance

Sexual Abuse and Molestation Insurance

Provides coverage for your rehabilitation clinic against claims arising from alleged sexual misconduct or molestation by an employee or other representative of your organization. Essential for the senior living industry.

Commercial Property Insurance

Commercial Property Insurance

This protects your facility against damage or loss to your buildings, equipment, and other property, which can happen as the result of various risks such as fire, theft, or vandalism.

Workers Compensation Insurance

Workers Compensation Insurance

Workers Compensation Insurance is usually mandated by law, to protect rehabilitation clinics and their employees in case of work-related injuries or illnesses.

Cyber Liability Insurance

Cyber Liability Insurance

Covers your organization against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online systems as part of this policy package.

Contact Chris Worley now

Chris Worley

Chris specializes in insurance for Phlebottomists. You can call him or one of the team on the number below or fill out the form and he will get your message directly:

we've got you covered

General Liability Insurance

Protecting healthcare organizations against increasingly crippling litigation.

Professional Liability Insurance

Protecting medical professionals against increasingly crippling litigation.

Medical Malpractice Insurance

Protecting medical professionals against increasingly crippling litigation.

Cyber Liability Insurance

Protecting healthcare organizations & professionals against cyber attacks.

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insurance for hospitals

Hospital Insurance typically covers all or part of the potential liability for hospital services. It includes medical malpractice, accidents involving hospital employees and equipment, care during surgery or any other invasive treatment, after-hours care arrangements by staff who need help with their children and more.

insurance for long term care facilities

Long term care facilities must protect themselves against potential liability arising from incidents within their facility. Westwood can help you negotiate a package tailored to your long term care facility client.

traditional insurance products

Westwood have fostered exceptional relationships with underwriters and we go to great lengths to keep abreast of their latest products, changes in requirements and restrictions, including having weekly calls with the carriers, which you can see here, by joining our insurance insider group.

    Insurance products at Westwood Insurance Group

    You can find more information on the Insurance Products main page.

    If you have any questions on the different policies, check out our Insurance FAQ’s

    alternative structures

    Westwood President, Michael Richards has extensive experience in setting up alternative structures for larger clients. Here are some examples:

     

    If you think your client could be large and stable enough to benefit from starting or participating in a captive or has a special need for another alternative structure, contact Michael Richards now by phone: 855 351 7487.