insurance for cardiothoracic surgeons

Malpractice insurance is essential for surgeons

Fill out the form below, for a quote on malpractice or liability insurance for cardiothoracic surgeons.

Quick Quote for Medical Malpractice Insurance


why do cardiothoracic surgeons need insurance?

Cardiothoracic surgeons face a range of challenges that necessitate the need for malpractice or liability insurance. Given the high-risk nature of their work and the complexity of the procedures involved, these surgeons are particularly vulnerable to potential lawsuits. Here’s where they are most likely to be sued for malpractice:

  1. Surgical Errors: Due to the complexity and the critical nature of cardiothoracic surgeries, any error can have severe consequences, including patient disability or death. Errors could include mistakes in surgical technique, wrong-side surgery, or leaving surgical instruments inside the patient.

  2. Postoperative Complications: Cardiothoracic surgeries can lead to a range of postoperative complications, such as infections, bleeding, heart failure, or lung problems. Surgeons can be held liable if it is perceived that these complications were due to poor surgical technique or inadequate postoperative care.

  3. Failure to Obtain Informed Consent: Cardiothoracic surgeons must ensure that patients or their families fully understand the potential risks and benefits of surgery. Failure to obtain proper informed consent can result in legal action if patients suffer unexpected complications or if the surgical outcome does not meet their expectations.

  4. Misdiagnosis or Delayed Diagnosis: Misdiagnosing a patient’s condition or failing to diagnose it timely can lead to inappropriate or delayed treatment. For example, a delayed diagnosis of a cardiac condition that could have been treated more effectively if caught earlier can lead to legal claims.

  5. Failure to Manage Pre-existing Conditions: Patients undergoing cardiothoracic surgery often have complex pre-existing conditions. Surgeons need to manage these effectively before, during, and after surgery. Failure to do so can exacerbate these conditions and lead to claims of malpractice.

  6. Improper Patient Management: This can include failures in preoperative planning or postoperative follow-up, lack of coordination with other healthcare providers, or inadequate response to emergencies.

  7. Failure to Communicate: Effective communication with patients and their families is crucial, especially when conveying the risks associated with surgery and the expected recovery process. Miscommunications can lead to unmet expectations and potential lawsuits.

  8. Anesthesia Complications: While typically the responsibility of anesthesiologists, surgeons are part of the broader surgical team and may share liability if issues with anesthesia contribute to patient harm.

Malpractice or liability insurance provides financial protection against claims of negligence or malpractice, covering legal defense costs, settlements, and judgments. For cardiothoracic surgeons, this insurance is crucial for mitigating the financial risks associated with the high stakes of their surgical interventions.

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 cardiothoracic surgeons need?

General Liability Insurance

General Liability Insurance

This is necessary for cardiothoracic 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 cardiothoracic 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 cardiothoracic 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 cardiothoracic 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.

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.