insurance for community health centers

Insurance for community health centers

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


why do community health centers need insurance?

Despite their invaluable service to communities, CHCs face several challenges that necessitate the need for malpractice or liability insurance. Here are key areas where community health centers are vulnerable to being sued for malpractice:

  1. Diagnostic Errors: Misdiagnosis or delayed diagnosis can lead to incorrect treatment or a failure to treat serious conditions in a timely manner, which can result in patient harm and potential lawsuits against the center.
  2. Treatment Errors: Errors in treatment, including incorrect medication prescriptions, improper treatment procedures, or failure to follow established clinical guidelines, can lead to adverse patient outcomes and malpractice claims.
  3. Failure to Obtain Informed Consent: Failure to ensure that patients are fully informed about the risks and benefits of proposed treatments can lead to legal action if patients suffer adverse outcomes that they were not adequately warned about.
  4. Medication Errors: Given the comprehensive nature of services provided, medication errors, including prescribing the wrong medication, incorrect dosages, or failing to recognize contraindications and interactions, can occur, potentially leading to patient harm.
  5. Inadequate Follow-up or Continuity of Care: CHCs often serve high volumes of patients, which can lead to challenges in ensuring adequate follow-up or continuity of care. This can result in complications or deterioration of conditions that could have been managed with timely intervention.
  6. Breach of Confidentiality: CHCs handle a significant amount of sensitive patient information. Unauthorized disclosure of this information, whether accidental or through a data breach, can lead to lawsuits for violating patient privacy.
  7. Infections and Illness Outbreaks: The risk of infection transmission is a concern in any healthcare setting. CHCs can be held liable if inadequate infection control practices lead to patient or staff infections.
  8. Community Health Centers (CHCs)need insuranceProvider Burnout and Turnover: High levels of provider burnout and turnover, which can affect the quality of care and increase the likelihood of errors, present a risk for CHCs, particularly in underserved areas where staffing challenges are more acute.

Malpractice or liability insurance is essential for community health centers to protect against the financial and operational impacts of these and other potential liabilities. This insurance can cover legal defense costs, settlements, and judgments, providing a financial safety net that allows CHCs to continue their mission of delivering critical healthcare services to the community.

Westwood insurance group work with a number of different insurance carriers to ensure you get the most suitable insurance coverage at the best priceGet a Quick Quote today. You may also be interested in looking at alternative structures like a Single Parent Captive, a micro captive, or a protected cell captive.

what types of insurance do community health centers 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 independent living organization against claims arising from alleged sexual misconduct or molestation by an employee or other representative of your organization. Essential for the healthcare 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 community health centers 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 Michael Richards now

Michael Richards, President, Westwood Insurance Group

Michael specializes in insurance for community health canters. 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.