insurance for outpatient care providers

insurance for outpatient care

Westwood will work with you to ensure your outpatient care clinic has adequate insurance coverage for every threat you could face.

Fill out the form for a Quick Quote on Insurance for Outpatient care Providers

why do outpatient care providers need insurance?

While outpatient care offers convenience and cost-effectiveness, it also presents unique challenges that necessitate the need for malpractice or liability insurance. Here’s where outpatient care providers are vulnerable to being sued for malpractice:

  1. Diagnostic Errors: Misdiagnosis or delayed diagnosis is a significant risk in outpatient settings, where providers may have limited time with each patient. Errors can lead to incorrect treatment, delayed treatment, or failure to treat, potentially worsening the patient’s condition.
  2. Treatment Errors: Outpatient care providers might perform procedures or administer treatments that could lead to complications or adverse reactions. Errors in treatment can result from a variety of factors, including miscommunication, inadequate patient assessment, or technical mistakes.
  3. Medication Errors: Prescribing or administering the wrong medication, dosage errors, or failure to consider interactions with other medications the patient is taking can lead to adverse drug events, harming the patient and exposing the provider to legal action.
  4. Failure to Obtain Informed Consent: Providers must ensure that patients are fully informed about the risks and benefits of treatments or procedures. Failure to obtain proper informed consent can result in claims if patients suffer unexpected complications or outcomes.
  5. Inadequate Follow-up and Coordination of Care: Outpatient care relies on effective follow-up to monitor treatment outcomes and manage chronic conditions. Failure to provide adequate follow-up instructions, coordinate care among specialists, or track test results can lead to patient harm.
  6. Breach of Confidentiality: Outpatient care providers handle sensitive health information. Unauthorized disclosure of patient data, whether accidental or through a cybersecurity breach, can lead to lawsuits for violating patient privacy.
  7. Premises Liability: Patients or visitors may suffer injuries due to falls, equipment malfunctions, or other accidents within the outpatient facility, leading to claims of negligence against the provider.
  8. Failure to Refer: Providers must recognize when a patient’s condition exceeds the scope of care that can be provided in an outpatient setting and refer them to appropriate specialists or facilities. Failure to do so in a timely manner can exacerbate health issues and lead to malpractice claims.

Malpractice or liability insurance provides financial protection against claims of negligence or malpractice, covering legal defense costs, settlements, and judgments. For outpatient care providers, this insurance is crucial for mitigating the financial risks associated with the provision of medical services.

 Westwood insurance brokers works with a number of different carriers to source the most comprehensive protection at the best price. Contact us now for more information. 

what types of insurance do outpatient care providers 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 medical 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 assisted living organization against claims arising from alleged sexual misconduct or molestation by an employee or other representative of your organization. Essential for the healthcare 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 outpatient care providers 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, Westwood Insurance Group

Michael specializes in insurance for outpatient care providers. 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.