ambulance malpractice insurance

Air and Ground Ambulance Services evacuate a patient. Malpractice insurance is essential for them

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why do air and ground ambulance services need insurance?

Paramedics and emergency medical technicians (EMTs), whether by air or ground, are frontline responders crucial to saving lives. However, their demanding roles come with inherent risks. Misdiagnosis for example, can occur when paramedics face complex medical scenarios. The consequences of such errors can be dire, resulting in the serious injury or even death or a patient.
The physical nature of emergency situations often requires rapid and precise patient handling. Unfortunately, injuries can result from incorrect movements or mishandling during transport. These risks highlight the necessity of malpractice insurance for both air and ground ambulance services. Insurance not only shields providers from legal claims stemming from misdiagnosis and injuries but also ensures that you can continue these vital services and your lifesaving work with confidence.

what does ambulance insurance include?

Malpractice insurance is essential for ambulance services.Westwood Insurance Group works with  insurance providers who provide specialist cover for for both emergency and non-emergency operations, including:

  • Professional Liability (malpractice insurance) available on an occurrence or claims-made basis
  • Loading and unloading of patients is viewed as a professional liability exposure; coverage is automatically provided
  • Separate General Liability limits on occurrence or claims-made basis
  • The policy covers your medical professional employed personnel, including paramedics, emergency medical technicians and registered nurses.
  • Physician coverages may be included on a shared or separate limits basis with entity (claims-made only)
  • Automatic coverage for Medical Directors’ administrative duties; with optional coverage available for Medical Director’s patient duties.
  • Claims made option includes an “incident sensitive trigger” with prior acts and extended reporting period options also available
  • Nose coverage for those insureds moving from claims-made to occurrence coverage
  • International operations are included in the coverage, provided the claim / suit is filed in the United States, its territories, or Canada.

This coverage is available for:

  • Licensed air and ground emergency and non-emergency ambulance services
  • Ambulette services with professionally licensed staff
  • Municipal ambulance operations.

what types of insurance do ambulance providers need?

General Liability Insurance

General Liability Insurance

This is necessary for facilities. It  covers medical expenses and attorney fees resulting from bodily injuries and property damage your facility or organization could be legally responsible for. This is covered by the ambulance services policy.

Business owner's policy (BOP insurance)

Business owner's policy (BOP insurance)

A Business Owner’s Policy (BOP) is a comprehensive insurance package designed for small to medium-sized medical businesses, providing a blend of liability protection and property insurance. This is covered by the ambulance services policy.

Professional Liability Insurance

Professional Liability Insurance

Professional Liability Insurance (malpractice insurance) overs any negligence or mistakes made by the employees during their work. It differs from General Liability insurance, which covers the practice. This is covered by the ambulance services policy.

Commercial Auto Insurance

Commercial Auto Insurance

This is relevant for vehicles used by your service for your practice-related tasks. This insurance covers you against auto accidents, theft, and other vehicle-related incidents.

Workers Compensation Insurance

Workers Compensation Insurance

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

Cyber Liability Insurance

Cyber Liability Insurance

Covers you against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online system to fix vulnerabilities as part of this policy.

Contact Chris Worley now

Chris Worley

Chris specializes in insurance for ambulance services. 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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traditional insurance products

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    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.