Insurance for college/university health centers

Insurance for College/University Health Centers

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

assessing their needs

Sourcing the right insurance for college/university health centers is essential as they face many challenges, including:

  1. Limited funding and resources: Many health centers are underfunded, which can lead to limited staffing, equipment, and services.
  2. Limited hours of operation: Some health centers have limited hours of operation, which can make it difficult for students to access care.
  3. Limited specialty services: Some health centers may not offer specialized services such as mental health care, dental care, or gynecological care.
  4. High demand: College and university health centers often have a high demand for services, which can lead to long wait times for appointments and crowded waiting rooms.
  5. Insurance issues: Many students may not have insurance, or their insurance may not be accepted at the health center, which can make it difficult for them to access care.
  6. Mental health concerns: College students often report high levels of stress and anxiety, and the number of students seeking mental health services is increasing.
  7. Limited healthcare provider: Many health centers have a limited number of healthcare providers, which can make it difficult to meet the needs of all students.
  8. Managing infectious disease: Health centers need to be prepared to manage and prevent the spread of infectious diseases such as COVID-19.

what specific insurance do they need?

College/university health centers should have insurance coverage that meets the needs of their student population, as well as the specific needs and risks of their operations.

  1. General liability insurance:This provides coverage for third-party claims of bodily injury or property damage arising from the health center’s operations.
  2. Professional liability insurance: This protects the health center and its employees from claims of negligence or malpractice.
  3. Property insurance: This covers damage or loss to the health center’s buildings and equipment.
  4. Workers’ compensation insurance: This covers medical expenses and lost wages for employees who are injured on the job.
  5. Cyber liability insurance: This covers losses related to data breaches and other cyber-related incidents.

It’s important for the health center to review and assess their insurance needs regularly and update coverage as necessary.

It is important for College/university health centers to carefully assess their risks and consult with an agent who works with a broker like Westwood to determine the appropriate coverage for their specific needs.

advice for commercial agents approaching college/university health centers

If you’re a commercial insurance agent approaching college or university health centers, it is important to understand their unique needs and concerns. Health centers on college and university campuses often have different insurance requirements than traditional healthcare facilities, as they primarily serve a younger population with different healthcare needs. To effectively approach these health centers, it is important to have a thorough understanding of the insurance policies they currently have in place, as well as any gaps or areas where they may need additional coverage.

When approaching college or university health centers, it is also important to understand the regulatory landscape that they operate within. Many health centers on college and university campuses are subject to specific regulations and requirements, such as those set forth by the Affordable Care Act or the Health Insurance Portability and Accountability Act (HIPAA). As an insurance agent, it is important to be familiar with these regulations and requirements, and to be able to provide guidance to health center staff on how to comply with them.

Overall, approaching college or university health centers as a commercial insurance agent requires a thorough understanding of their unique needs and concerns, as well as the regulatory landscape in which they operate. By taking the time to understand these factors and building strong relationships with health center staff, insurance agents can effectively provide these facilities with the insurance coverage and support they need to continue serving their communities. Talk to Michael Richards for advice and support for approaching college or university health centers.

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 college/university 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.

More Information

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.

More Information

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.

More Information

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.

More Information

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.

More information

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.

More Information

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.

More infromation

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. 

More information

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.

More information

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.

More information

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.

More information

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.

contact westwood now 

Are you at risk of a major Cyber Attack?

Fill out the form below
for a free, no-obligation,  comprehensive assessment




Click here

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.