insurance for phlebotomists

insurance for phlebotomists

Westwood will work with you to ensure your phlebotomist clients have adequate insurance 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.

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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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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.

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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.

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.

require special insurance coverage


Phlebotomists must have adequate insurance to protect them in the many challenges they face in their line of work. They must be able to effectively communicate with patients, often during difficult or emotional times. This can be a challenge, as some patients may be resistant or uncooperative. Additionally, phlebotomists must be able to maintain a high level of accuracy and precision when performing their duties. This is crucial, as even a small mistake could result in a dangerous situation for the patient. Additionally, phlebotomists must stay up-to-date on the latest techniques and safety protocols. This is necessary in order to ensure that they are providing the best possible care to their patients.

Phlebotomists, like all healthcare professionals, can be subject to medical malpractice claims. However, there are some specific reasons why phlebotomists may be more prone to these claims, including:

  1. Error during procedure: Phlebotomy involves drawing blood, and if done incorrectly, it can cause injury or lead to contamination of the sample.
  2. Misidentification of the patient: Phlebotomists need to correctly identify the patient before collecting a sample. If they collect a sample from the wrong patient, it can lead to an incorrect diagnoses and treatment.
  3. Improper labeling of samples: If the phlebotomist fails to label the sample correctly or mix up labels, it can result in the wrong test being performed on the wrong patient, leading to incorrect diagnoses and treatment.
  4. Improper handling of equipment: Phlebotomists must follow proper sterilization and safety procedures when handling equipment, including needles. If they don’t, it can increase the risk of infection or injury.

Medical malpractice claims can arise from any number of issues in the healthcare field, and phlebotomists are not immune. 

Phlebotomists, like all healthcare professionals, should carry professional liability insurance, also known as medical malpractice insurance, to protect themselves from the financial consequences of medical errors and malpractice claims. This type of insurance can help cover the costs of legal fees, settlements, and other expenses that may arise from a medical malpractice claim.

In addition to professional liability insurance, phlebotomists may also consider carrying other types of insurance, including:

  1. Workers’ compensation insurance: This type of insurance can help cover the costs of medical expenses and lost wages if a phlebotomist is injured on the job.
  2. Disability insurance: This type of insurance can provide financial support if a phlebotomist is unable to work due to an illness or injury.
  3. Life insurance: This type of insurance can provide financial support for a phlebotomist’s family in the event of their death.

It is important for phlebotomists to consider their individual needs and circumstances when selecting insurance policies.It is essentil that phlebotomists get the best advice from an agent who works with a good Medical Malpractice Broker like Westwood and has the best support and information. 

Contact Michael Richards now

Michael Richards, Westwood team member

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:

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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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