insurance for health departments

insurance for health departments

Westwood will work with you to ensure your health department clients have the best insurance coverage for every threat they could face.

Get a Quick Quote on Liability Insurance

why do health departments need insurance?

Health departments, serving as crucial entities in public health management and emergency responses, face distinct challenges that necessitate the need for malpractice or liability insurance. Here are key areas where health departments are vulnerable to being sued for malpractice:

  1. Misdiagnosis or Delayed Diagnosis: Health departments often provide clinical services, including screenings and vaccinations. Errors in diagnosis or delays in identifying communicable diseases can lead to inadequate treatment or public health risks, potentially resulting in legal action.

  2. Vaccination Errors: With the responsibility for mass vaccination programs, errors related to vaccine administration, such as wrong vaccine, dosage errors, or failure to screen for contraindications, can lead to adverse reactions and potential lawsuits.

  3. Inadequate Response to Public Health Emergencies: Health departments play a leading role in responding to public health crises, such as pandemics or natural disasters. Failure to effectively manage these responses, including inadequate preparedness, communication, or execution of emergency plans, can result in harm to the public and potential legal challenges.

  4. Privacy Breaches: Handling sensitive health information is a core function of health departments. Breaches of confidentiality or privacy, whether accidental or through cybersecurity incidents, can lead to lawsuits for violating privacy laws and eroding public trust.

  5. Failure to Provide Standard Care in Public Health Clinics: Health departments may operate clinics offering direct patient care. Failure to meet the standard of care expected in medical practice, leading to patient harm, can expose the department to malpractice claims.

  6. Environmental Health Hazards: Health departments are responsible for monitoring and managing environmental health risks. Negligence in addressing hazards such as water contamination, toxic exposures, or unsanitary conditions can lead to public harm and legal action.

  7. Failure to Follow or Enforce Regulations: Health departments enforce public health laws and regulations. Failure to adequately enforce these regulations, or non-compliance with federal or state health mandates, can result in harm to individuals or communities and subsequent lawsuits.

  8. Errors in Public Health Communications: Providing accurate public health information is crucial. Misinformation or inadequate communication regarding health risks, prevention strategies, or treatment options can lead to public harm and potential legal liability.

Malpractice or liability insurance provides financial protection against claims of negligence or malpractice, covering legal defense costs, settlements, and judgments. For health departments, this insurance is essential for mitigating the financial risks associated with their multifaceted roles in public health management and direct patient care.

what types of insurance do health departments 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 health department could be legally responsible for.

Professional Liability Insurance

Professional Liability Insurance

Also known as malpractice insurance, this  protects health departments 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 health department 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 department 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 health departments 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 health departments. 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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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.