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.

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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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.

Cyber 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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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.

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
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. 

Property Insurance

Property Insurance covers unexpected damage or loss to property. The policy can be purchased to cover both structures and contents, which are separate policies in many cases. Property Insurance covers physical structures, not land. Medical facilities and aged care facilities need property insurance to cover the real property and all fixed items such as furniture, medical equipment, art works and tapestries.

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.

Auto Insurance

Auto insurance is  a type of liability insurance coverage, usually mandated by law, for all mechanically propelled vehicles. It provides protection against losses resulting from traffic accidents and against liability that could also arise therefrom. A medical or aged care facility would typically have auto insurance on their fleet of vehicles as  well as for any vehicles transporting patients to and from the facility.

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.

Sourcing the right Insurance for college/university health centers is essential in today’s challenging climate


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.
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.

Contact Michael Richards now

Michael Richards, Westwood team member

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:

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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