insurance for medical arts schools

assessing their needs

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 Medical Arts School Insurance

When commercial agents approach medical arts schools for business or partnerships, they should be cognizant of the unique challenges these institutions face. Understanding these challenges can help agents tailor their proposals, communicate effectively, and foster strong relationships with the schools. Here are some of the challenges:

  1. Accreditation and Regulatory Compliance:
    Medical arts schools must meet stringent accreditation standards to operate and offer degrees. Commercial agents should be aware of these standards and ensure their products, services, or proposals align with them.
  2. Rapidly Evolving Medical Landscape:
    The field of medicine is constantly evolving with new research, technologies, and treatments. Any products or services need to be current, adaptable, and future-oriented.
  3. Budget Constraints:
    Many institutions, especially public ones, face budgetary constraints. Proposals that are cost-effective or offer demonstrable ROI can be more appealing.
  4. Clinical Placement Shortages:
    Many medical disciplines require clinical placements for hands-on training. Schools often face challenges in securing enough quality placements for their students.
  5. Technological Advancements and Integration:
    As medicine embraces new technologies, schools need to integrate these into their curricula. Agents offering technological solutions should ensure they are user-friendly and come with adequate training or support.
  6. Diverse Student Needs:
    Medical arts schools host a diverse student body in terms of age, cultural backgrounds, and prior experiences. Any proposals, especially those related to educational tools or resources, should be inclusive and adaptable to diverse needs.
  7. Faculty Shortages:
    Some medical disciplines, especially nursing, often face faculty shortages. Solutions that aid in faculty recruitment, retention, or training could be of interest.
  8. Interprofessional Education:
    There’s a growing emphasis on interprofessional education, where students from various medical disciplines learn together. Agents should consider how their offerings might support or enhance this collaborative learning approach.
  9. Ethical Considerations:
    The medical field is bound by strict ethical guidelines. Agents should ensure their offerings respect patient confidentiality, consent, and other ethical considerations.
  10. Research Funding:
    Many medical arts schools are heavily involved in research. They may be seeking funding, partnerships, or technology to support their research endeavors.
  11. Infrastructure and Facility Needs:
    Aging infrastructure can be a concern for some institutions. Proposals related to facility upgrades, expansions, or modernization might be of interest.
  12. Continuing Education and Licensing:
    Medical professionals require ongoing education and re-licensing. Schools often look for quality continuing education programs or platforms.

When approaching medical arts schools, commercial agents should do thorough research on the specific institution, its needs, challenges, and strategic goals. Tailoring the approach to address the school’s unique challenges and priorities can significantly improve the likelihood of successful collaboration.

what specific insurance do they need?

Medical arts schools typically require a range of insurance coverages to protect against various risks. Some of the specific insurance policies that medical arts schools may need include:

  1. General Liability Insurance: This type of insurance protects medical arts schools against claims of property damage or bodily injury caused by the school’s operations.
  2. Professional Liability Insurance: Also known as malpractice insurance, this coverage protects medical arts schools and their staff against claims of negligence, errors, or omissions related to the provision of medical services.
  3. Property Insurance: This type of insurance protects medical arts schools against damage or loss to their buildings, equipment, and other property due to various risks such as fire, theft, or vandalism.
  4. Workers’ Compensation Insurance: This coverage protects medical arts schools and their employees in case of work-related injuries or illnesses.
  5. Cyber Liability Insurance: This insurance covers medical arts schools against the financial losses associated with data breaches, cyber attacks, and other cyber incidents.
  6. Directors and Officers Liability Insurance: This insurance protects the school’s directors and officers against claims of mismanagement, breach of fiduciary duty, or other wrongful acts.

The specific insurance policies that a medical arts school may need will depend on its unique risks and circumstances. A commercial insurance agent can work with the school to assess its needs and recommend the appropriate coverages. Contact Michael Richards for assistance with this.

advice for commercial agents approaching medical arts schools.

If you are a commercial insurance agent approaching medical arts schools, it is important to understand the unique risks and challenges that these schools face. Medical arts schools train students in various medical procedures, which can pose a significant liability risk. Additionally, these schools may store sensitive data such as student records, financial information, and confidential patient data, making them vulnerable to cyber threats. As an insurance agent, you can help medical arts schools mitigate these risks by recommending appropriate insurance policies and risk management strategies.

To effectively approach Medical arts schools, it is essential to build a strong understanding of their operations, challenges, and goals. You can begin by researching the school’s website, social media accounts, and any public information available about the school. Reach out to school administrators and ask questions to better understand their needs, priorities, and concerns. You can also attend industry conferences and events to stay up-to-date on the latest trends and issues facing medical arts schools.

When recommending insurance policies to Medical arts schools, it is important to consider their budget, risk tolerance, and regulatory requirements. Work with the school to assess its unique risks and develop a comprehensive risk management plan that includes both insurance and non-insurance strategies. Finally, be transparent about the coverage and pricing options available, and provide clear explanations of policy terms and conditions to ensure the school fully understands the protection being offered.



Contact Michael Richards now

Michael specializes in insurance for this particular group. You can call him on the number below or fill out the form and he will get your message directly:

Michael Richards

medical sourcing the right  insurance for medical arts schools is essential for commercial agents


General Liability Insurance

General Liability insurance cover medical expenses and attorney fees which result from bodily injuries and property damage that your company or organization could be legally responsible for.

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Professional Liability Insurance

Professional liability insurance, also known as errors and omissions insurance (E&O) and medical malpractice insurance, protects your business against claims of negligence, malpractice, errors, and omissions which may have occurred during the fulfillment of a professional service.

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Telemedicine Malpractice Insurance

telemedicine malpractice insurance—also known as digital health insurance or eHealth insurance—has become increasingly vital for healthcare providers. to  protect them against claims of negligence, malpractice, errors, and omissions which may be the result of the limitations of webcam quality or the inability of a patient to properly photograph a condition. It can also cover cyber liability, such as remote controlled medical devices being hacked.

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Directors and Officers Liability (D&O) insurance

D&O insurance (Directors and officers liability insurance), shields the personal assets of company directors and officers, and where necessary, their spouses, from claims which could arise as a result of the decisions they made and actions they took within the scope of their regular duties.

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Cyber liability insurance

Cyber liability insurance covers the financial costs associated with a breach of your cyber security, such as a ransomware attack. It also covers first party costs including event management, data restoration, financial costs to third parties, network interruption, and cyber extortion.

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HNO Insurance

HNOA, (hired non-owned auto insurance) is designed for organizations who regularly hire vehicles or require employees to use their own vehicles in the course of their work. In the case of an accident where your employee was liable, it could cover physical damage to that other person’s vehicle, medical expenses, the cost of hiring an attorney to defend your business.

Workers’ Comp. Insurance

Workers’ compensation insurance covers your employees for workplace injuries or illness. It provides them with medical and wage benefits.

This coverage is mandated by each state, with the wage and medical benefits varying from state to state. Workers compensation also protects business owners from civil suits by workers who become injured on the job.

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Employment Practices Liability

Employment practices liability insurance (EPL insurance or EPLI), covers employers (PDF) against claims made by employees for:

  • Discrimination (based on sex, race, age or disability, for example)
  • Wrongful termination
  • Harassment
  • Failure to promote and other employment-related issues
Sexual Abuse & Molestation (SAM)

Sexual Abuse and Molestation Insurance provides coverage for organizations against claims arising from alleged sexual misconduct or molestation by an employee or other representative of the organization. 

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Environmental Liability insurance

Environmental Liability insurance is liability insurance specifically designed to protect environmental liabilities. This is a specialized form of general, commercial liability insurance that provides financial protection against litigation and clean-up costs resulting from claims of injury or damage caused by pollution, contamination or hazardous waste disposals. 

Commercial Property Insurance

Commercial property insurance is a fundamental component of risk management for healthcare and senior living providers. It is designed to protect the organization’s physical assets, such as buildings, medical equipment, furniture, and supplies, from financial losses due to damage or theft.

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Crime Insurance

Crime Insurance covers the insured party a reimbursement if their property is damaged due to a crime. Crime Insurance usually has a huge range of options and comes in different forms. It can be either a rider that can be attached to the existing insurance policy, or it is available as a completely separate product.

Commercial Auto Insurance

Commercial auto insurance is a crucial aspect of risk management for healthcare and senior living providers. It offers vital financial protection against vehicle-related incidents and is often required by law.

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Fully/Partially Funded insurance

Partially Funded insurance gives facilities the opportunity to pay a set premium for, and then in turn is  partially covered for specific risks.

Fully Funded Insurance allows facilities to pay premiums to have coverage against all risks. In return, if they are unfortunate enough to incur any of the covered loss or injury, they are reimbursed their insurance policy amount.

Excess and umbrella coverage

Excess coverage provides an additional layer of protection over and above what an underlying policy provides. It applies to a single policy only.

An umbrella policy on the other hand, provides additional liability coverage over and above what is provided by a number of underlying policies.

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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.