insurance for drug and alcohol rehabilitation centers

Drug and Alcohol Rehabilitation Centers Insurance

Westwood will work with you to ensure your drug and alcohol rehabilitation center has the best insurance coverage for every threat you could face.

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why do drug and alcohol rehabilitation centers need insurance?

Despite their essential role in healthcare, drug and alcohol rehabilitation centers face specific challenges that necessitate the need for malpractice or liability insurance. Here are key areas where drug and alcohol rehabilitation centers are vulnerable to being sued for malpractice:

  1. Treatment-Related Injuries or Complications: Patients in rehabilitation may experience physical or psychological complications during detoxification or other treatment processes. If injuries or adverse effects occur due to the treatment provided, centers can be held liable, especially if there was negligence in monitoring or managing withdrawal symptoms.
  2. Failure to Provide Adequate Care: This can include failing to offer necessary medical treatment, inadequate supervision, or not addressing co-occurring mental health conditions, leading to deterioration in the patient’s condition or even harm.
  3. Medication Errors: Incorrect prescribing, administering, or managing medications for detoxification or co-occurring disorders can lead to adverse reactions, overdose, or insufficient management of withdrawal symptoms, making the center vulnerable to lawsuits.
  4. Breach of Confidentiality: The privacy of patients in drug and alcohol rehabilitation is protected by law. Unauthorized disclosure of a patient’s treatment or personal information can lead to legal action for breaching confidentiality.
  5. Failure to Prevent Harm: This includes failing to prevent self-harm, suicide, or harm to others within the facility. Rehabilitation centers have a duty to ensure a safe environment, and failure to do so can result in malpractice claims.
  6. Inadequate Consent Processes: Failing to obtain informed consent for treatments, especially in situations where patients are in a vulnerable or impaired state, can lead to legal issues if patients or their families claim they were not fully informed of the risks and benefits.
  7. Violations of Legal or Regulatory Standards: Non-compliance with state and federal regulations governing the operation of rehabilitation centers, including those related to patient care, facility standards, and staff qualifications, can lead to legal action and financial penalties.

Malpractice or liability insurance provides financial protection against claims of negligence or malpractice, covering legal defense costs, settlements, and judgments. For drug and alcohol rehabilitation centers, this insurance is essential for mitigating the financial and operational impacts of potential lawsuits. 

Westwood insurance brokers works with a number of different carriers to source the most comprehensive protection at the best price. Contact us now for more information. 

what types of insurance do drug and alcohol rehabilitation 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 treatment. Staff members will typically be covered by professional liability insurance.

Sexual Abuse and Molestation Insurance

Sexual Abuse and Molestation Insurance

Provides coverage for your drug and alcohol rehabilitation center against claims arising from alleged sexual misconduct or molestation by an employee or other representative of your organization. Essential for the social services 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 drug and alcohol rehabilitation 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 Dale Nelson now

Dale Nelson, Westwood team member

Dale 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:

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.