insurance for medical directors

Medical director insurance is essential for professionals

Westwood will work with you to ensure your medical director clients have adequate coverage for every threat they could face.

assessing their needs

Hospice medical directors have specific requirements when it comes to insurance coverage. They need to have a policy that will protect them in the event of a lawsuit, and they also need coverage for medical malpractice. This type of coverage is essential, and it can help protect them from any potential financial damages that may occur.

The role of a hospice medical director is a challenging one, and it requires a lot of hard work and dedication. They are responsible for the overall health of the patients in their care, as well as ensuring that all the staff are up to date on the latest medical procedures and treatments. This can be a daunting task, especially in a busy hospital setting. 

Medical directors must be able to juggle a lot of different responsibilities at once, and they need to be able to make quick decisions in a crisis. They also need to be able to stay up-to-date on the latest medical research, and keep track of all the latest treatments and procedures.

 In order to be successful as a medical director, a person must have excellent leadership skills, and be able to motivate staff. They also need to be able to work well under pressure, and make decisions in a timely manner. 

what specific insurance do they need?

Commercial agents should source insurance policies that meet the unique needs of hospice medical directors. Hospice medical directors are responsible for overseeing the medical care provided to terminally ill patients, and as such, have specific insurance needs that differ from other healthcare providers. Here are some types of insurance policies that commercial agents should consider for hospice medical directors:

  • Medical malpractice insurance: This policy can protect hospice medical directors against claims of negligence, errors, or omissions in their medical treatment of patients.
  • Directors and officers liability insurance: This policy can protect hospice medical directors against legal claims arising from their actions or decisions on behalf of the hospice.
  • Cyber liability insurance: This policy can protect the hospice against data breaches and cyber attacks, which are increasingly common in the healthcare industry.

Overall, commercial insurance agents should work closely with hospice medical directors to understand their specific needs and provide customized insurance solutions that address their unique risks and exposures.

advice for commercial agents approaching hospice medical directors

Approaching hospice medical directors as a commercial insurance agent requires a deep understanding of the unique risks and challenges that these professionals face. Hospice medical directors are responsible for overseeing the medical care provided to terminally ill patients, and as such, have specific insurance needs that differ from other healthcare providers. When approaching hospice medical directors, it is important to have a thorough understanding of the types of insurance policies they may need, as well as any gaps or areas where they may need additional coverage.

One key piece of advice for commercial insurance agents approaching hospice medical directors is to focus on building strong relationships with these professionals. Hospice medical directors often operate in a highly emotional and stressful environment, and the same holds true for their insurance providers. By taking the time to understand the specific needs and challenges of each director, insurance agents can build trust and credibility with these professionals and become a valued partner in their risk management efforts.

Another important piece of advice is to provide customized insurance solutions that address the unique risks and exposures of hospice medical directors. These professionals often face complex liability and professional risks, such as claims of medical malpractice or data breaches, and may require specialized insurance policies to address these risks. By tailoring insurance solutions to the specific needs of each medical director, insurance agents can provide them with the protection they need to continue providing compassionate and quality end-of-life care to their patients.

Overall, approaching hospice medical directors as a commercial insurance agent requires a deep understanding of their unique needs and challenges. By building relationships, providing customized insurance solutions, and becoming a trusted partner in their risk management efforts, insurance agents can help hospice medical directors to continue providing essential healthcare services to their patients and their families during a difficult and emotional time.

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

sourcing the right  insurance for hospice medical directors is essential


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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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.

insurance for physicians

The different types of insurance for physicians includes medical malpractice insurance, professional liability insurance, errors and omissions insurance, an umbrella policy, and professional indemnity. As a physician, you should have access to all of these types of insurance.

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.