insurance for for orthopedic surgeons

insurance is essential for Orthopedic Surgeons

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

Quick Quote for Medical Malpractice Insurance


why do orthopedic surgeons need insurance?

Orthopedic surgeery involves significant risks that necessitate malpractice or liability insurance. The nature of orthopedic procedures, which can dramatically affect a patient’s quality of life, exposes these surgeons to potential lawsuits. Here are the key areas where orthopedic surgeons are vulnerable to being sued for malpractice:

  1. Surgical Errors: Errors during surgery can include incorrect surgical techniques, operating on the wrong site (wrong-site surgery), or leaving instruments and materials inside the patient. Such mistakes can lead to significant patient harm and are among the most direct causes of malpractice lawsuits.

  2. Postoperative Complications: Complications such as infections, excessive bleeding, nerve damage, or issues with bone healing can sometimes arise after orthopedic surgeries. While not all complications are preventable, a surgeon may be held liable if it is perceived that the complication was due to poor surgical technique or inadequate postoperative care.

  3. Failure to Diagnose or Misdiagnosis: Misdiagnosing a condition or failing to diagnose it in a timely manner can prevent patients from receiving the necessary treatment, potentially leading to worsening conditions and malpractice claims.

  4. Prosthetic and Implant Issues: Orthopedic surgeries often involve the use of prosthetics or implants. Problems such as implant failure, incorrect placement, or using defective products can result in patient harm and subsequent lawsuits.

  5. Failure to Obtain Informed Consent: Orthopedic surgeons must ensure that patients understand the risks associated with a procedure before proceeding. Failure to obtain proper informed consent can lead to legal action if the patient suffers unexpected complications.

  6. Inadequate Follow-Up Care: Proper follow-up is crucial in orthopedics to monitor the patient’s recovery and intervene when complications arise. Negligence in follow-up care can result in suboptimal outcomes and increase the likelihood of litigation.

  7. Improper Management of Non-Surgical Treatments: Orthopedic conditions often require comprehensive management, including physical therapy and medication alongside or instead of surgery. Errors in managing these treatments can also lead to claims of malpractice.

  8. Communication Failures: Miscommunication with patients regarding the expected outcomes of surgeries, potential risks, and the rehabilitation process can lead to misunderstandings and dissatisfaction, potentially resulting in lawsuits.

Malpractice or liability insurance provides financial protection against claims of negligence or malpractice, covering legal defense costs, settlements, and judgments. For orthopedic surgeons, this insurance is crucial for mitigating the financial risks associated with the complex nature of their surgical and non-surgical interventions. It allows them to continue providing essential medical services while managing the inherent legal and professional risks.

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 orthopedic surgeons need?

General Liability Insurance

General Liability Insurance

This is necessary for Orthopedic 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 Orthopedic 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 Orthopedic 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 Orthopedic 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

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.