malpractice insurance for surgeons

Malpractice insurance is essential for surgeons

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why do surgeons need insurance?

Surgeons face a unique set of challenges and high stakes in their profession, making malpractice or liability insurance essential. The nature of surgical work, involving invasive procedures to diagnose, treat, or manage various health conditions, inherently carries significant risks of complications and adverse outcomes. Here are key areas where surgeons are vulnerable to being sued for malpractice:

  1. Surgical Errors: This includes errors made during surgery, such as operating on the wrong site (wrong-site surgery), leaving surgical instruments or materials inside the patient, or performing the wrong procedure. These errors can lead to severe patient harm and are among the most direct causes of malpractice suits against surgeons.

  2. Postoperative Complications: Complications arising after surgery, such as infections, bleeding, or unexpected adverse reactions, can sometimes be linked to the surgeon’s actions during or after the procedure. While not all complications are preventable, failure to adequately manage or respond to these outcomes can result in claims of negligence.

  3. Failure to Obtain Informed Consent: Surgeons must ensure that patients are fully informed about the risks, benefits, and alternatives to the proposed surgical intervention. Failure to obtain proper informed consent can lead to legal action if patients suffer adverse outcomes they were not adequately warned about.

  4. Diagnostic Errors: While primarily associated with pre-surgical care, errors in diagnosing a patient’s condition can lead to unnecessary or incorrect surgical interventions, potentially causing harm and opening the surgeon to liability.

  5. Failure to Monitor Postoperative Care: Surgeons are responsible for postoperative management or must ensure proper handoff to other care providers. Negligence in monitoring a patient’s recovery or failing to recognize postoperative complications promptly can lead to worsened outcomes and potential lawsuits.

  6. Communication Failures: Miscommunication with the surgical team, other healthcare providers, or the patient can lead to errors in the surgical procedure or postoperative care, impacting patient safety and outcomes.

  7. Anesthesia Complications: Although anesthesiologists or nurse anesthetists typically manage anesthesia, surgeons play a role in preoperative assessments and monitoring. Complications related to anesthesia, if not properly anticipated or managed, can lead to patient harm and implicate the surgical team in malpractice claims.

Malpractice or liability insurance provides financial protection against claims of negligence or malpractice, covering legal defense costs, settlements, and judgments. For surgeons, this insurance is crucial for mitigating the financial and professional risks associated with the complex and high-risk nature of surgical care.

Westwood Insurance work with a number of different carriers to source the most suitable insurance for surgeons at the best price. Contact us today.


what types of insurance do surgeons need?

General Liability Insurance

General Liability Insurance

This is necessary for surgeons with their own facilities. It  covers medical expenses and attorney fees resulting from bodily injuries and property damage your facility or organization could be legally responsible for.

Business owner's policy (BOP insurance)

Business owner's policy (BOP insurance)

A Business Owner’s Policy (BOP) is a comprehensive insurance package designed for Medical Professionals with small to medium-sized businesses, providing a blend of liability protection and property insurance.

Professional Liability Insurance

Professional Liability Insurance

Professional Liability Insurance overs any negligence or mistakes made by the individual surgeons during their practice. It differs from General Liability insurance, which covers the practice itself. 

Commercial Auto Insurance

Commercial Auto Insurance

This is relevant for surgeons who use a vehicle for your practice-related tasks. This insurance covers you against auto accidents, theft, and other vehicle-related incidents.

Workers Compensation Insurance

Workers Compensation Insurance

Workers Compensation Insurance is usually mandated by law, to protect surgical practices and employees in case of work-related injuries or illnesses.

Cyber Liability Insurance

Cyber Liability Insurance

Covers you against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online system to fix vulnerabilities as part of this policy.

Contact Michael Richards now

Michael Richards, President of Westwood Insurance Group

Michael specializes in insurance for surgeons. 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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traditional insurance products

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    Insurance products at Westwood Insurance Group

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    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.