insurance for medical transport/emergency/non-emergency providers

Ambulatory Health Care

Westwood will work with you to ensure your medical transport/emergency/non-emergency provider clients have adequate coverage for every threat they could face.

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.

More Information

Professional Liability Insurance

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

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.

Cyber 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.

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.

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
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. 

Property Insurance

Property Insurance covers unexpected damage or loss to property. The policy can be purchased to cover both structures and contents, which are separate policies in many cases. Property Insurance covers physical structures, not land. Medical facilities and aged care facilities need property insurance to cover the real property and all fixed items such as furniture, medical equipment, art works and tapestries.

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.

Auto Insurance

Auto insurance is  a type of liability insurance coverage, usually mandated by law, for all mechanically propelled vehicles. It provides protection against losses resulting from traffic accidents and against liability that could also arise therefrom. A medical or aged care facility would typically have auto insurance on their fleet of vehicles as  well as for any vehicles transporting patients to and from the facility.

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.

medical transport  providers
require special coverage

 

Medical transport providers face a number of challenges. They must be able to provide safe and reliable transport for patients, while also ensuring that they can respond quickly to emergencies. They also need to be able to keep up with the latest medical advances, so that they can provide the best possible care for their patients.

One of the biggest challenges facing medical transport providers is the increasing cost of fuel and maintenance. As the cost of these items rises, it becomes more difficult for providers to keep their vehicles on the road. In addition, the cost of insurance is also rising, making it more difficult for providers to protect their assets.

Another challenge facing medical transport providers is the increasing number of regulatory requirements. These requirements can make it more difficult for providers to operate their businesses, and can also increase the cost of providing service.

Finally, medical transport providers must also contend with the changing nature of the healthcare industry. As more and more services are provided online and through mobile devices, providers must be able to adapt their business models to meet these changes.

medical transport/emergency/non-emergency providers have specific insurance requirements. These requirements are important to understand in order to maintain proper coverage.

General Liability Insurance: This type of insurance protects the provider from lawsuits that allege that they caused harm to a patient due to negligence. It can pay for the provider’s legal fees and any damages that are awarded.

As transport involves vehicles, they naturally need vehicle insurance: This type of insurance can cover the cost of repairs if the vehicle is damaged in an accident, as well as any medical bills that result from the accident.

Workers compensation insurance is needed if you have employees: This type of insurance can cover the cost of medical bills and lost wages if an employee is injured while working.

It’s also a good idea to have Directors and Officers Liability (D&O) insurance: This type of insurance can protect the provider from lawsuits that allege that they have mismanaged the company.

No matter what type of medical transport/emergency/non-emergency services you provide, it’s important to make sure you have the right insurance in place. Without proper coverage, they could be liable for any damages that occur.

we've got you covered

please feel free to contact us 24/7

Email

Click here

Phone

216.539.0841
855.351.7487

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.