insurance for community health centers

Insurance for community health centers

Westwood will work with you to ensure your community health center clients have the best insurance coverage for every threat they could face.

assessing their needs

Sourcing the best insurance for community health centers is essential as they face a number of challenges:

  1. Funding: Community health centers rely on government funding and grants to provide services, and this funding can be unpredictable and inadequate.
  2. Staffing: Recruiting and retaining qualified healthcare providers in underserved areas can be difficult.
  3. Lack of resources: Health centers often lack the necessary resources to provide comprehensive care, such as medical equipment and technology.
  4. Limited access to specialty care: Patients in rural or low-income areas may face difficulties accessing specialty care services.
  5. Uninsured patients: Many community health center patients are uninsured or underinsured, which can make it difficult to get reimbursed for services.
  6. Health disparities: Health centers serve populations that are often disproportionately affected by chronic diseases, disabilities, and other health challenges.
  7. Integration with the larger healthcare system: Community health centers may struggle to coordinate care with other healthcare providers and systems, leading to gaps in care.

Community health centers should have liability insurance coverage to protect themselves from various risks, including:

  1. Medical malpractice insurance: This coverage protects the health center and its providers against claims of medical negligence or error.
  2. General liability insurance: This coverage protects against claims of property damage, personal injury, or other losses resulting from the health center’s operations.
  3. Cyber liability insurance: This coverage protects against losses resulting from cyber attacks, data breaches, or other technology-related risks.
  4. Workers’ compensation insurance: This coverage protects health center employees who are injured or become ill as a result of their work.
  5. Directors and officers insurance: This coverage protects the health center’s leaders against claims arising from their management and decision-making activities.

It’s important for community health centers to have adequate insurance coverage to protect against potential losses, minimize their financial exposure, and ensure that they can continue to provide care to their patients in the event of a claim or lawsuit.

advice for insurance agents approaching community health centers

An agent who wants to sell insurance to a community health center should approach the following individuals:

  1. Executive Director or CEO: The executive director or CEO is often the top decision-maker for the health center and can provide insight into the center’s insurance needs and priorities.
  2. Chief Financial Officer (CFO) or Financial Director: The CFO or financial director is responsible for the health center’s financial operations, including insurance. They can provide information on the center’s budget, insurance spending, and any requirements for coverage.
  3. Risk Manager: The risk manager is responsible for identifying and mitigating the health center’s risks, including insurance risks. They can provide information on the center’s insurance needs, as well as its current coverage and limitations.
  4. Procurement or Purchasing Team: The procurement or purchasing team is responsible for securing goods and services, including insurance, for the health center. They can provide information on the center’s purchasing policies, requirements for insurance coverage, and any bidding or procurement processes.

It’s important for the insurance agent to establish a strong relationship with these individuals, provide them with clear and relevant information about the insurance products they are offering, and be prepared to answer any questions they may have.

For advice, assistance and support on insurance for community health centers, contact Michael Richards using the phone or form below.

Contact Michael Richards now

Michael specializes in insurance for this particular group. You can call him on the number below or fill out the form and he will get your message directly:

Michael Richards

Sourcing the right insurance for community health centers is essential in today’s challenging climate


General Liability Insurance

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

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Professional Liability Insurance

Professional liability insurance, also known as errors and omissions insurance (E&O) and medical malpractice insurance, protects your business against claims of negligence, malpractice, errors, and omissions which may have occurred during the fulfillment of a professional service.

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Telemedicine Malpractice Insurance

telemedicine malpractice insurance—also known as digital health insurance or eHealth insurance—has become increasingly vital for healthcare providers. to  protect them against claims of negligence, malpractice, errors, and omissions which may be the result of the limitations of webcam quality or the inability of a patient to properly photograph a condition. It can also cover cyber liability, such as remote controlled medical devices being hacked.

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Directors and Officers Liability (D&O) insurance

D&O insurance (Directors and officers liability insurance), shields the personal assets of company directors and officers, and where necessary, their spouses, from claims which could arise as a result of the decisions they made and actions they took within the scope of their regular duties.

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Cyber liability insurance

Cyber liability insurance covers the financial costs associated with a breach of your cyber security, such as a ransomware attack. It also covers first party costs including event management, data restoration, financial costs to third parties, network interruption, and cyber extortion.

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RAC Audit Insurance

RAC Audit Insurance is a shield against the financial implications of audit discrepancies, and a testament to an organization's commitment to proactive risk management. As the wave of regulatory oversight intensifies, understanding and embracing RAC Audit Insurance becomes paramount for the healthcare and senior living industries alike.

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HNO Insurance

HNOA, (hired non-owned auto insurance) is designed for organizations who regularly hire vehicles or require employees to use their own vehicles in the course of their work. In the case of an accident where your employee was liable, it could cover physical damage to that other person’s vehicle, medical expenses, the cost of hiring an attorney to defend your business.

Workers’ Comp. Insurance

Workers’ compensation insurance covers your employees for workplace injuries or illness. It provides them with medical and wage benefits.

This coverage is mandated by each state, with the wage and medical benefits varying from state to state. Workers compensation also protects business owners from civil suits by workers who become injured on the job.

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Employment Practices Liability

Employment practices liability insurance (EPL insurance or EPLI), covers employers (PDF) against claims made by employees for:

  • Discrimination (based on sex, race, age or disability, for example)
  • Wrongful termination
  • Harassment
  • Failure to promote and other employment-related issues
Sexual Abuse & Molestation (SAM)

Sexual Abuse and Molestation Insurance provides coverage for organizations against claims arising from alleged sexual misconduct or molestation by an employee or other representative of the organization. 

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Environmental Liability insurance

Environmental Liability insurance is liability insurance specifically designed to protect environmental liabilities. This is a specialized form of general, commercial liability insurance that provides financial protection against litigation and clean-up costs resulting from claims of injury or damage caused by pollution, contamination or hazardous waste disposals. 

Commercial Property Insurance

Commercial property insurance is a fundamental component of risk management for healthcare and senior living providers. It is designed to protect the organization’s physical assets, such as buildings, medical equipment, furniture, and supplies, from financial losses due to damage or theft.

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Crime Insurance

Crime Insurance covers the insured party a reimbursement if their property is damaged due to a crime. Crime Insurance usually has a huge range of options and comes in different forms. It can be either a rider that can be attached to the existing insurance policy, or it is available as a completely separate product.

Commercial Auto Insurance

Commercial auto insurance is a crucial aspect of risk management for healthcare and senior living providers. It offers vital financial protection against vehicle-related incidents and is often required by law.

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Fully/Partially Funded insurance

Partially Funded insurance gives facilities the opportunity to pay a set premium for, and then in turn is  partially covered for specific risks.

Fully Funded Insurance allows facilities to pay premiums to have coverage against all risks. In return, if they are unfortunate enough to incur any of the covered loss or injury, they are reimbursed their insurance policy amount.

Excess and umbrella coverage

Excess coverage provides an additional layer of protection over and above what an underlying policy provides. It applies to a single policy only.

An umbrella policy on the other hand, provides additional liability coverage over and above what is provided by a number of underlying policies.

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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.