insurance for intellectual and developmental disability centers

insurance for intellectual and developmental disability centers

Fill out the form below for a Quick Quote on insurance for IDD centers

Get a Quick Quote on Liability Insurance

why do IDD centers need insurance?

Intellectual and Developmental Disability (IDD) centers face challenges that necessitate the need for malpractice or liability insurance, including:

  1. Negligence in Care: One of the primary challenges is ensuring consistent, high-quality care. Negligence, whether in the form of inadequate supervision, failure to provide necessary medical care, or improper handling of the individuals’ needs, can lead to physical or psychological harm. Such incidents can result in lawsuits against the center for failing to meet the standard of care expected.
  2. Abuse and Mistreatment: Unfortunately, cases of physical, emotional, or sexual abuse by staff members or other residents can occur, leading to severe consequences for the victims and legal actions against the centers. Liability insurance is crucial in these instances to cover legal defense costs and any resulting settlements or judgments.
  3. Medication Errors: IDD centers often administer medications to residents, and errors in medication administration (wrong dosage, incorrect medication, or missed doses) can have serious health implications. Such errors can lead to malpractice claims against the center for failing to properly manage the individuals’ medical needs.
  4. Injuries on Premises: Given the physical and cognitive challenges faced by residents, they are at a higher risk of accidents and injuries within the facility. Slip-and-fall accidents, injuries from equipment, or harm during transportation services provided by the center can lead to claims of negligence.
  5. Violation of Rights: IDD centers are legally obligated to protect the rights of their residents, including the right to privacy, dignity, and participation in decisions affecting their care. Violations of these rights, whether through inappropriate use of restraints, lack of informed consent for treatments, or denial of privacy, can lead to lawsuits alleging violations of residents’ civil rights.
  6. Failure to Comply with Regulations: IDD centers operate under strict regulatory standards that govern everything from staffing ratios to facility conditions and program offerings. Failure to comply with these regulations can result in legal action from regulatory bodies, as well as lawsuits from individuals or their families for regulatory violations that result in harm.
  7. Contractual Disputes: Disputes may arise from allegations of breach of contract if families of residents feel that the center has failed to provide the services outlined in their agreements. Such disputes can escalate to legal claims against the center.

Liability insurance for IDD centers covers a range of potential legal expenses, including defense costs, settlements, and judgments awarded in civil cases. It also provides a safety net that allows these centers to continue operating despite the financial risks associated with legal claims. Westwood Insurance Group works with a range of carriers to source the most suitable coverage for you at the best price.

what types of insurance do IDD 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 IDD organization against claims arising from alleged sexual misconduct or molestation by an employee or other representative of your organization. Essential for the senior living 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 IDD 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 IDD 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

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.