insurance for crisis stabilization centers

Crisis stabilization centers need liability insurance

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

Get a Quick Quote on Liability Insurance

 Why do crisis stabilization centers need insurance?

Given the acute and often unpredictable nature of mental health crises, crisis stabilization centers are vulnerable to potential lawsuits in several key areas:

  1. Failure to Prevent Harm: One of the most significant risks is the potential failure to prevent harm to the patient or others. This includes situations where a patient might self-harm, attempt suicide, or pose a threat to staff or other patients. Facilities can be held liable if it is determined that appropriate measures were not taken to prevent such incidents.
  2. Inadequate Assessment and Misdiagnosis: Errors in assessment or misdiagnosis can lead to inappropriate treatment plans, potentially exacerbating the crisis or leading to unnecessary restraint or medication.
  3. Improper Use of Restraints or Seclusion: The use of physical restraints or seclusion techniques is highly regulated and considered a last resort. Improper or excessive use can lead to claims of abuse or negligence, especially if it results in physical or psychological harm to the patient.
  4. Medication Errors: Incorrect prescribing, administering, or monitoring of psychotropic medications can have serious adverse effects on patients. Facilities are vulnerable to lawsuits if medication errors lead to patient harm or if there is a failure to monitor for side effects adequately.
  5. Breach of Confidentiality: Given the sensitive nature of mental health crises, protecting patient privacy and confidentiality is paramount. Unauthorized disclosure of a patient’s condition or treatment can lead to legal action for breaching privacy laws.
  6. Failure to Provide Adequate Care or Supervision: This can include not offering the necessary psychiatric support, counseling, or supervision needed to stabilize the patient’s condition. Facilities may face lawsuits if a lack of adequate care results in deterioration of the patient’s mental health or physical well-being.
  7. Inadequate Discharge Planning: Proper discharge planning, including ensuring the patient has access to follow-up care and support services, is critical for preventing relapse or recurrence of the crisis. Facilities can be held liable if premature discharge or inadequate discharge planning leads to adverse outcomes.
  8. Violation of Patients’ Rights: This includes the right to respectful and humane treatment, informed consent for treatments, and the right to participate in care decisions. Violations can result in legal actions against the facility.

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

Westwood work with a number of different carriers to bring you the most suitable insurance coverage at the best price. Get a quick quote today!

what types of insurance do crisis stabilization 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 crisis stabilization center against claims arising from alleged sexual misconduct or molestation by an employee or other representative of your organization. Essential for organizations dealing with vulnerable people..

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 crisis stabilization 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 of Westwood Insurance Group

Michael specializes in insurance for crisis stabilization centers. 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.

contact westwood now 

Are you at risk of a major Cyber Attack?

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

Phone

216.539.0841
855.351.7487

Email

Click here

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.