insurance for ambulatory health care services

Insurance for Ambulatory Health Care providers

Westwood will ensure your Ambulatory Health Care practice has adequate insurance coverage for every threat you could face.

Get a Quick Quote on Liability Insurance

why is malpractice insurance for ambulatory surgery centers essential?

 

Ambulatory health care services, who offer medical services on an outpatient basis, face unique challenges that necessitate the need for malpractice or liability insurance. These challenges stem from the nature of providing care without the extended observation benefits of inpatient settings. These challenges include:

  1. Diagnostic Errors: The limited time with patients and lack of continuous monitoring can lead to misdiagnosis or delayed diagnosis. Errors can occur due to insufficient patient history, rushed visits, or inadequate evaluation, potentially leading to inappropriate treatment.
  2. Treatment Errors: Prescribing incorrect medications, performing improper procedures, or failing to provide appropriate follow-up care are examples. These mistakes can have serious implications for patient health, especially if they lead to complications or exacerbate existing conditions. They can also result in malpractice claims against the health care provider.
  3. Failure to Obtain Informed Consent: Providers must ensure that patients understand the risks and benefits of treatments before proceeding. If patients suffer adverse outcomes they were not adequately warned about, the center or service could face legal action.
  4. Medication Errors: Incorrectly prescribed medications, or errors in dosage and administration, can occur in fast-paced ambulatory settings. These errors can lead to adverse drug reactions, overdose symptoms, or ineffective treatment.
  5. Inadequate Follow-Up Care: Given the outpatient nature of care, there is a risk of inadequate follow-up. This is especially the case for patients with complex conditions requiring continuous management. Failure to ensure proper follow-up can lead to deterioration of the patient’s condition and potential liability.
  6. Breach of Confidentiality: Maintaining patient confidentiality is critical for ambulatory health care services. Breaches of confidentiality due to inadequate security measures, can result in lawsuits and a loss of patient trust.
  7. Failure to Refer: Ambulatory care providers must recognize their limits and refer patients to specialized care when necessary. Failure to do so can result in patient harm from untreated or improperly treated conditions, leading to malpractice claims.
  8. Procedure-Related Complications: Even minor procedures performed in ambulatory settings carry risks. Complications arising from these procedures without adequate emergency preparedness can lead to patient harm and subsequent lawsuits.
  9. Communication Failures: Miscommunication with patients about their condition, treatment plans, or necessary lifestyle adjustments can lead to poor health outcomes and dissatisfaction. This can potentially result in legal action.

Malpractice or liability insurance provides financial protection against claims of negligence or malpractice, covering legal defense costs, settlements, and judgments. For ambulatory health care providers, this insurance is crucial for mitigating the financial risks associated with providing outpatient care.

Contact Westwood Insurance Group for a no-obligation quote today.

 

what types of insurance do ambulatory health care providers need?

General Liability Insurance

General Liability Insurance

This is necessary for ambulatory health care providers with their own facilities. It covers medical expenses and attorney fees resulting from bodily injuries and property damage your facility or organization could be legally responsible for.

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 Medical Professionals with small to medium-sized businesses. It provides a blend of liability protection and property insurance.

Professional Liability Insurance

Professional Liability Insurance

Professional Liability Insurance overs any negligence or mistakes made by the individual medical professional during their practice. It differs from General Liability insurance, which covers the practice itself.

Commercial Auto Insurance

Commercial Auto Insurance

This is relevant for ambulatory health care providers who use a vehicle 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 ambulatory surgical centers protects these businesses and their employees against work-related injuries or illnesses. It is usually mandated by law.

Cyber Liability Insurance

Cyber Liability Insurance

Covers your center 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. 

Contact Michael Richards now

Michael Richards, President of Westwood Insurance Group

Michael specializes in insurance for Ambulatory Health Care providers. 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

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.