insurance for surgical technicians

insurance for surgical technicians

Westwood will work with you to ensure your surgical technician clients have the best possible insurance coverage for todays uncertain climate.

assessing their needs

Surgical technicians, also known as surgical technologists, play a critical role in assisting surgeons during medical procedures. While surgical technicians work under the supervision of a surgeon, they still face several challenges that commercial insurance agents should be aware of. Some of these challenges include:

  1. Exposure to Bloodborne Pathogens: Surgical technicians are at risk of exposure to bloodborne pathogens, such as HIV and hepatitis, while working in the operating room. Insurance agents should ensure that surgical technicians have access to appropriate workers’ compensation coverage and disability insurance in case of a bloodborne pathogen exposure.
  2. Musculoskeletal Injuries: Surgical technicians spend extended periods standing and may need to lift heavy equipment, which can lead to musculoskeletal injuries such as back pain or joint problems. Insurance agents should ensure that surgical technicians have access to disability insurance and workers’ compensation coverage in case of injury.
  3. Liability Risks: Surgical technicians must follow strict protocols and procedures to ensure patient safety during surgical procedures. Insurance agents should ensure that surgical technicians have appropriate professional liability coverage to protect against malpractice lawsuits and other potential claims.
  4. Occupational Stress: Surgical technicians work in a high-stress environment and may experience emotional and psychological stress. Insurance agents should ensure that surgical technicians have access to appropriate mental health coverage to address any stress-related issues.
  5. Infection Control: Surgical technicians must follow strict infection control protocols to prevent the spread of infections in the operating room. Insurance agents should ensure that surgical technicians have access to appropriate coverage to protect against potential claims related to infection control.

what specific insurance do they need?

Surgical technicians may require a range of insurance policies to protect against various risks. Some of the specific insurance policies that surgical technicians may need include:

  1. Workers’ Compensation Insurance: This coverage protects surgical technicians in case of work-related injuries or illnesses, including musculoskeletal injuries, needlesticks, and exposure to bloodborne pathogens.
  2. Professional Liability Insurance: This type of insurance protects surgical technicians against claims of negligence or malpractice related to their work in the operating room.
  3. Disability Insurance: Disability insurance provides income replacement in case of a disabling injury or illness that prevents surgical technicians from working.
  4. Health Insurance: Surgical technicians may require health insurance coverage to access medical care for themselves and their families.
  5. Life Insurance: Life insurance provides financial support to surgical technicians’ families in case of their unexpected death.
  6. Cyber Liability Insurance: This type of insurance covers surgical technicians against the financial losses associated with data breaches, cyber attacks, and other cyber incidents.

The specific insurance policies that a surgical technician may need will depend on their unique risks and circumstances. It is important for insurance agents to understand the nature of surgical technicians’ work, the risks they face, and the regulatory requirements that apply to them to provide tailored insurance solutions.

advice for commercial agents approaching surgical technicians

If you are a commercial insurance agent approaching surgical technicians, it is important to understand the unique risks and challenges that these professionals face. Surgical technicians work in a high-stress environment and must follow strict protocols to ensure patient safety. They also face physical and mental health risks, such as musculoskeletal injuries, exposure to bloodborne pathogens, and occupational stress. As an insurance agent, you can help surgical technicians mitigate these risks by recommending appropriate insurance policies and risk management strategies.

To effectively approach surgical technicians, it is essential to build a strong understanding of their profession, challenges, and goals. You can begin by researching the surgical technician profession, reading industry publications and blogs, and attending professional conferences and events. Reach out to surgical technicians and ask questions to better understand their needs, priorities, and concerns. You can also work with professional associations and regulatory bodies to gain insights into the insurance and risk management issues that matter most to surgical technicians.

When recommending insurance policies to surgical technicians, it is important to consider their unique needs, budget, and risk tolerance. Work with them to assess their specific risks and develop a comprehensive risk management plan that includes both insurance and non-insurance strategies. Be transparent about the coverage and pricing options available, and provide clear explanations of policy terms and conditions to ensure surgical technicians fully understand the protection being offered. By taking a consultative approach and providing tailored insurance solutions, you can build long-lasting relationships with surgical technicians and help them protect their careers and livelihoods.

Contact Michael Richards now

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:

Michael Richards

medical sourcing the right  insurance for surgical technicians is essential for commercial agents


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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Telemedicine Malpractice Insurance

telemedicine malpractice insurance—also known as digital health insurance or eHealth insurance—has become increasingly vital for healthcare providers. to  protect them against claims of negligence, malpractice, errors, and omissions which may be the result of the limitations of webcam quality or the inability of a patient to properly photograph a condition. It can also cover cyber liability, such as remote controlled medical devices being hacked.

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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.

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Cyber liability 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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RAC Audit Insurance

RAC Audit Insurance is a shield against the financial implications of audit discrepancies, and a testament to an organization's commitment to proactive risk management. As the wave of regulatory oversight intensifies, understanding and embracing RAC Audit Insurance becomes paramount for the healthcare and senior living industries alike.

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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.

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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
Sexual Abuse & Molestation (SAM)

Sexual Abuse and Molestation Insurance provides coverage for organizations against claims arising from alleged sexual misconduct or molestation by an employee or other representative of the organization. 

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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. 

Commercial Property Insurance

Commercial property insurance is a fundamental component of risk management for healthcare and senior living providers. It is designed to protect the organization’s physical assets, such as buildings, medical equipment, furniture, and supplies, from financial losses due to damage or theft.

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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.

Commercial Auto Insurance

Commercial auto insurance is a crucial aspect of risk management for healthcare and senior living providers. It offers vital financial protection against vehicle-related incidents and is often required by law.

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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.

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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.

insurance for medical providers

The different types of insurance for medical providers 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.

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.