insurance for medical personnel services

Insurance is essential for medical personnel services

Westwood will work with you to ensure your medical personnel services business has adequate insurance coverage for every threat you could face.

Quick Quote for Liability Insurance


why do medical personnel services need insurance?

Medical personnel services face unique challenges necessitating malpractice or liability insurance, including:

  1. Improper Credentialing and Verification: One of the primary risks involves failing to properly verify the credentials, certifications, or licenses of healthcare professionals before placing them in a healthcare facility. If a staff member is found to lack the necessary qualifications and this leads to patient harm, the staffing agency could be held liable.

  2. Negligent Placement: This occurs when a healthcare professional is placed in a setting or position for which they are ill-suited, whether due to lack of experience, training, or proficiency. If this misplacement results in inadequate patient care or harm, the agency could face legal action for negligent placement.

  3. Vicarious Liability: Staffing agencies can be held vicariously liable for the acts of the healthcare professionals they place, even if the agency itself did not directly commit the act leading to a malpractice claim. This legal principle holds employers responsible for the actions of their employees performed within the scope of their employment.

  4. Contractual Disputes: Disputes may arise over the terms of contracts between the staffing agency, the healthcare professionals, and the healthcare facilities. Issues such as staffing levels, qualifications, and responsibilities outlined in contracts can lead to legal challenges if expectations are not met.

  5. Workplace Safety and Workers’ Compensation: Staffing agencies are responsible for ensuring that the work environments into which they place personnel are safe and comply with occupational health and safety regulations. Failure to do so can result in legal action, especially if a healthcare professional is injured on the job.

  6. Breach of Confidentiality: Healthcare staffing involves handling sensitive information, including personal and professional details of healthcare workers and potentially patient information during the placement process. Breaches of confidentiality can lead to lawsuits for violating privacy laws.

  7. Failure to Provide Adequate Training or Orientation: If a healthcare professional is placed without proper orientation or training for the specific environment or duties, and this lack of preparation leads to patient harm, the staffing agency could be held accountable.

Malpractice or liability insurance provides financial protection against claims of negligence or malpractice, covering legal defense costs, settlements, and judgments. For medical personnel services, this insurance is crucial for mitigating the financial risks associated with their intermediary role between healthcare professionals and facilities.

Contact Westwood today for a no obligation quote on insurance for medical personnel services.

 

 

what types of insurance do medical personnel services need?

General Liability Insurance

General Liability Insurance

This is necessary for medical personnel service 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 small to medium-sized medical personnel service 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 medical professionals during their practice. It differs from General Liability insurance, which covers the practice itself. 

Commercial Auto Insurance

Commercial Auto Insurance

This is relevant for medical personnel services who use vehicles for business-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 medical personnel services and their 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 medical personnel services. 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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216.539.0841
855.351.7487

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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.