insurance for medical arts schools

why do medical arts schools need insurance?

Medical Arts School Insurance

Westwood will work with you to ensure your medical arts school clients have the best possible insurance coverage for every threat they could face.

Quick Quote for Liability Insurance


Medical arts schools face unique challenges that necessitate the need for malpractice or liability insurance. These challenges stem from the nature of their educational programs, which involve not only classroom learning but also hands-on clinical training. There are several key areas where medical arts schools are particularly vulnerable to being sued for malpractice:

  1. Clinical Training and Supervision: One of the primary areas of vulnerability comes from the clinical training component of their programs. Students are required to perform procedures and make decisions that affect patient care under supervision. If a student causes harm to a patient due to negligence or a mistake, the school could be held liable for not providing adequate supervision or training.
  2. Accreditation and Curriculum Standards: Schools must adhere to strict accreditation standards and curriculum requirements. If a program is found to fall short of meeting these standards, and a student or graduate fails to perform adequately in the professional setting as a result, the institution could face lawsuits for educational malpractice. This includes failing to update the curriculum to meet current standards of medical practice.
  3. Equipment and Facilities: The adequacy and safety of the equipment and facilities used for training are another potential liability. If an injury occurs due to malfunctioning equipment or unsafe training environments, the school could be held responsible.
  4. Admissions and Student Competency: Medical arts schools are also vulnerable to lawsuits stemming from admissions practices. If a school admits students who are not capable of achieving the required competency levels, despite completing the program, it could face litigation from graduates who are unable to secure employment in their field due to inadequate training.
  5. Discrimination and Harassment: As with any educational institution, there is a risk of lawsuits related to discrimination and harassment. This could include claims based on race, gender, disability, or sexual orientation. Schools are responsible for maintaining a safe and inclusive environment for all students.
  6. Certification and Licensing Exam Preparation: Schools may also face litigation if students claim that the education provided did not adequately prepare them for certification or licensing exams, which are crucial for employment in medical professions.
  7. Partnerships with Clinical Sites: Many medical arts schools partner with hospitals and other clinical sites for student training. If a student’s actions at a clinical site lead to patient harm, both the clinical site and the school could be implicated in the resulting legal actions.

To mitigate these vulnerabilities, medical arts schools invest in comprehensive malpractice and liability insurance policies. These policies provide financial protection against claims of negligence, errors, and omissions in the provision of educational services. Additionally, these institutions implement rigorous training programs, maintain high standards for faculty and facilities, and enforce strict codes of conduct to minimize risks.

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what types of insurance do medical arts schools 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 medical arts school against claims arising from alleged sexual misconduct or molestation by an employee or other representative of your organization. Essential for the education 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 medical arts schools 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 Chris Worley now

Chris Worley

Chris specializes in insurance for Phlebottomists. 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.