insurance for nursing care centers

insurance for nursing care centers

Please fill out the form below for a quote on liability insurance for nursing care centers:


why do nursing care centers need insurance?

The complex nature care, combined with the high standards to which Nursing Care Centers are held, exposes them to significant risks for malpractice claims. Here are key areas where nursing care centers are vulnerable to being sued for malpractice:

  1. Neglect and Abuse: Instances of neglect or abuse, whether physical, emotional, or financial, represent one of the most significant areas of vulnerability. This can include failing to provide basic care, such as feeding, bathing, or providing adequate medical attention.

  2. Medication Errors: Errors in medication administration, including wrong dosage, wrong medication, or failing to administer medication at the correct times, can lead to adverse patient outcomes and are a common basis for malpractice claims.

  3. Inadequate Wound Care: Improper care of wounds, especially pressure ulcers (bedsores), can lead to infections and serious complications. Facilities can be held liable if they fail to prevent or adequately treat these conditions.

  4. Falls and Injuries: Falls are a significant risk in nursing care centers, potentially leading to injuries such as fractures or head injuries. Facilities may face lawsuits if it is determined that inadequate safety measures or supervision contributed to a fall.

  5. Failure to Monitor and Respond: Failing to monitor residents’ health conditions properly or to respond appropriately to changes in their condition can result in deterioration of health and may be grounds for a malpractice claim.

  6. Infections and Illness Outbreaks: The spread of infections, particularly in communal living environments, can be devastating. Nursing care centers can be sued if an outbreak is linked to negligence in infection control practices.

  7. Violations of Residents’ Rights: This includes a wide range of potential issues, from not respecting residents’ privacy and autonomy to failing to involve them or their families in care decisions. Such violations can lead to legal actions.

  8. Inadequate Staffing and Training: Insufficient staffing levels or inadequately trained staff can impact the quality of care, leading to neglect and errors. Facilities can be held liable for harm resulting from such deficiencies.

  9. Dietary and Nutritional Negligence: Failure to provide adequate nutrition or to accommodate dietary restrictions can lead to malnutrition, dehydration, and associated health problems, making the facility vulnerable to lawsuits.

  10. Improper Use of Restraints: The use of physical or chemical restraints can lead to physical injury, psychological harm, and a loss of dignity. Improper restraint use is a significant area of legal vulnerability.

Malpractice or liability insurance is crucial for nursing care centers to protect against the financial and operational impacts of these and other potential liabilities. This insurance can cover legal defense costs, settlements, and judgments, providing a safety net that allows these facilities to continue providing care while managing the inherent risks of their operations. Get a quick quote on your insurance today, or talk with Michael Richards about an alternative risk structure like a Single Parent Captive.

what types of insurance do nursing care centers 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 nursing care centers against claims arising from alleged sexual misconduct or molestation by an employee or other representative of your organization. Essential for the senior living 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 nursing care centers 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 Michael Richards now

Michael Richards, President of Westwood Insurance Group

Michael specializes in insurance for nursing care centers. 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.