insurance for surgical centers

Insurance for surgical centers

Westwood will work with you to ensure your surgical center has the best insurance coverage and advice to protect you against all possible threats.

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why do surgical centers need insurance?

Surgical centers face challenges that make it necessary for them to have malpractice or liability insurance. Here are some key areas where surgical centers are vulnerable to being sued for malpractice:

  1. Surgical Errors: Errors during surgery, such as operating on the wrong site, performing the wrong procedure, or leaving instruments inside the patient, can lead to severe patient harm and are clear grounds for malpractice lawsuits.
  2. Anesthesia Complications: Complications related to anesthesia can range from minor side effects to severe, life-threatening reactions, including aspiration, allergic reactions, or anesthesia awareness. Anesthesiologists and nurse anesthetists are highly trained, but adverse events can still occur, for which the surgical center could be held liable.
  3. Infections and Postoperative Complications: Surgical site infections (SSIs) and other postoperative complications significantly impact patient recovery and satisfaction. Surgical centers can be sued if it’s determined that inadequate sterilization, poor surgical technique, or insufficient postoperative care contributed to the infection or complication.
  4. Failure to Obtain Informed Consent: Patients must be adequately informed about the risks, benefits, and alternatives to surgery. Surgical centers can face legal action if patients suffer adverse outcomes that they were not adequately warned about or if the consent process was incomplete or misleading.
  5. Inadequate Preoperative and Postoperative Care: Proper assessment and preparation before surgery and appropriate care after surgery are critical for patient safety and recovery. Failures in these areas, including inadequate monitoring or premature discharge, can lead to complications and lawsuits.
  6. Medication Errors: Errors in prescribing, dispensing, or administering medications before, during, or after surgery can have serious consequences, including allergic reactions, overdoses, or interactions with other medications, leading to patient harm and potential legal action against the facility.
  7. Failure to Refer to Specialists: Surgical centers must recognize when a patient’s condition exceeds their scope of care and requires referral to a specialized facility or provider. Failure to make timely referrals can exacerbate a patient’s condition and result in legal claims for negligence.
  8. Surgical centers need liability insuranceBreach of Patient Confidentiality: Like all healthcare facilities, surgical centers must protect patient privacy and confidentiality. Unauthorized disclosure of patient information can lead to lawsuits for violating privacy laws.

Malpractice or liability insurance provides financial protection against claims of negligence or malpractice, covering legal defense costs, settlements, and judgments. For surgical centers, this insurance is essential for mitigating the financial risks associated with surgical care and protecting the center’s reputation.

what types of insurance do surgical 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 professional 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 surgical 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, Westwood Insurance Group

Michael specializes in insurance for surgical 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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traditional insurance products

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    Insurance products at Westwood Insurance Group

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    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.