insurance for surgical technicians

insurance for surgical technicians

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why do surgical technitions need insurance?

Surgical technicians need insurance as the nature of their job exposes them to potential legal claims for malpractice due to various factors:

  1. Errors in Sterilization and Infection Control: Surgical technicians are responsible for the sterilization of instruments and maintaining a sterile environment. Failure in these tasks can lead to post-operative infections, which are a common basis for malpractice lawsuits. 

  2. Improper Handling or Preparation of Instruments and Supplies: They are also responsible for ensuring that all the necessary surgical instruments and supplies are available and properly prepared for the procedure. Errors in this area, such as incorrect instrument counts leading to retained foreign objects in a patient’s body, can result in serious complications and grounds for malpractice claims.

  3. Technical Errors During Procedures: Although surgical technicians do not perform surgeries, their actions directly support the surgical procedure. Mistakes such as handing over the wrong instrument, improper setup of surgical equipment, or failure to follow the surgeon’s instructions accurately can lead to surgical errors, for which they might be held partially responsible.

  4. Breach of Patient Confidentiality: Surgical technicians are privy to sensitive patient information. Any unauthorized disclosure of patient data can result in legal action against them for breaching patient confidentiality, a cornerstone of medical ethics and legal obligations under laws like HIPAA (Health Insurance Portability and Accountability Act) in the United States.

  5. Lack of Communication: Effective communication is vital in the operating room. Miscommunication or failure to communicate important information about a patient’s condition, allergies, or the specifics of a surgical procedure can have dire consequences. Surgical technicians are part of the surgical team, and any miscommunication can be a potential source of liability.

Given these challenges, malpractice or liability insurance becomes essential for surgical technicians. It provides financial protection against claims of professional negligence, covering legal fees, settlements, and any awarded damages.

what types of insurance do surgical technicians need?

General Liability Insurance

General Liability Insurance

This is necessary for Surgical Technicians with their own facilities. It  covers medical expenses and attorney fees resulting from bodily injuries and property damage your facility or organization could be legally responsible for.

Business owner's policy (BOP insurance)

Business owner's policy (BOP insurance)

A Business Owner’s Policy (BOP) is a comprehensive insurance package designed for Medical Professionals with small to medium-sized businesses, providing a blend of liability protection and property insurance.

Professional Liability Insurance

Professional Liability Insurance

Professional Liability Insurance overs any negligence or mistakes made by the individual Medical Professional during their practice. It differs from General Liability insurance, which covers the practice itself. 

Commercial Auto Insurance

Commercial Auto Insurance

This is relevant for Surgical Technicians who use a vehicle for your practice-related tasks. This insurance covers you against auto accidents, theft, and other vehicle-related incidents.

Workers Compensation Insurance

Workers Compensation Insurance

Workers Compensation Insurance is usually mandated by law, to protect Surgical Technicians practices and their employees in case of work-related injuries or illnesses.

Cyber Liability Insurance

Cyber Liability Insurance

Covers you against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online system to fix vulnerabilities as part of this policy.

Contact Michael Richards now

Michael Richards, President, Westwood Insurance Group

Michael specializes in insurance for this particular group. 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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    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.