Archive for Medical
Alcohol and Drug Rehabilitation Centers
Rehabilitation centers for drug and alcohol abusers provide life changing services to individuals. The service may be required as part of a court-ordered incarceration program. The service is also available to individuals who recognize addiction concerns and voluntarily enter into a treatment program. Services are provided on both an outpatient and inpatient basis. Many offer intensive in-patient services combined with outpatient follow -up services. Professional liability insurance on these establishments protects the agency or sponsoring organization and the professionals who actually provide the services. This coverage is usually combined with commercial general liability coverage and may be packaged with other needed coverages.
Insurance coverage for anesthesiologists was extremely difficult to place in the past. Advances in medical technology have significantly reduced the losses attributed to this medical specialty. Professional liability coverage is still needed to protect the anesthesiologist against allegations of injury due to malpractice.
Birth Centers Liability
Birth centers are an option for expectant mothers. They provide complete maternity service, including prenatal care and childbirth preparation classes for families experiencing a normal pregnancy and anticipating a normal birth without complications. Women give birth in a room designed to look like a master bedroom. Each room in the center is equipped with medical devices for use in case of an emergency. Teams of nurse-midwives, obstetricians, pediatricians, parent educators, and other supporting staff provide the care needed. Most centers have arrangements with local hospitals to immediately transport the mother and baby if unexpected problems arise.
Blood Banks Professional Liability
This coverage protects blood banks against claims for injury that arise from alleged malpractice, error, or mistake in taking blood donations, handling and testing blood, labeling blood, and preparing blood for others. The primary concern is transmitting AIDS, hepatitis, and other blood-borne pathogens and diseases to others through blood transfusions. This insurance covers the cost to defend suits as well as damages that result from court awards or out-of-court settlements.
Chiropractors Professional Liability
Chiropractors are health care professionals subject to the same types of lawsuits that other health care professionals face. This professional liability insurance protects the insured chiropractor against claims for injury that arise from alleged malpractice, error, or mistake in rendering or failing to render appropriate chiropractic services.
Clinical Laboratory Malpractice
This coverage is similar to the coverage that other health care professional coverage forms and policies offer. It is available to clinical or pathological laboratories to protect them against claims that arise from injury due to malpractice, error, or mistake in providing diagnostic services. Some laboratories have direct contact with patients and collect samples while others receive samples from hospitals, physicians, or veterinarians for analysis.
Dental Hygienists Professional Liability
This coverage protects individual employed dental hygienists against claims for personal injury that arise from alleged malpractice, error, or mistake in rendering professional services. While the hygienist may be insured under the employer dentist’s insurance, this coverage provides additional limits in case the employer dentist’s limits are exhausted or if the dentist fails to maintain coverage.
Dentists Professional Liability
This coverage protects dentists against claims for injury that arise from alleged malpractice, error, or mistake in rendering professional services. It may be written for individuals or partnerships and includes all professional activities at the dental office. Most companies that write this coverage insure only members of recognized local, county, and state professional societies.
Dieticians and Nutritionists Professional Liability
Dieticians and nutritionists are health care specialists who develop appropriate diets for their patients and clients. Medical doctors who specialize in diet control and nutritional programs can be insured using this program but there is no coverage for professional liability exposures other than diet and nutrition.
Emergency Medical Technicians E&O
Timely response by professional emergency medical technicians (EMTs) to their patients’ needs is the cornerstone of pre-hospital emergency care. Their professional liability exposures can be covered under a group policy that insures the emergency medical unit. The group policy can also cover ambulance services, fire departments, first-aid teams, and rescue squads. Professional liability coverage for EMT instructors/coordinators is also available.
Excess Malpractice and Professional Liability
Excess coverage for doctors, other professionals, hospitals, and businesses is available over primary coverage, self-insured plans, captive plans, and Joint Underwriting Associations (JUAs). A number of specialty carriers offer professional liability coverage on a straight excess basis over and above the primary limits that the underlying coverage provides. Coverage is written on a following form or a claims-made basis over a primary policy written on an occurrence basis. In addition, markets are available to write excess liability coverages for other professionals, such as accountants, architects, engineers, and attorneys.
Female Reproductive Services
Clinics that specialize in female health care may focus primarily on the female reproductive system. In doing so, they will provide a variety of exams, provide counseling in effective family planning, including birth control, and provide aids for increasing fertility. Some may also provide pharmaceutical and/or surgical abortions.
Global Medical Insurance
Accident/medical/sickness coverage for diplomats and world travelers can be purchased by foreign nationals visiting the U.S. and U.S. citizens who travel abroad. It is long-term coverage for individuals who do not have adequate coverage from an insurer in their home country. Several different accident and sickness plans are available. Each has its own deductible and coinsurance conditions. Each automatically includes provisions for emergency medical evacuation, return of bodies, emergency family reunions, and local ambulance expenses. AD&D benefits are also available, as are optional coverages for hazardous sports such as skiing, scuba and sky diving, motorcycle/motorbike racing, and bungee jumping.
Hospital Professional Liability
This coverage protects insured hospitals against claims for injury that arise from malpractice, errors, or mistakes by hospital personnel. It also covers the costs to defend suits, damages for awards made by a court, and costs of out of court settlements and agreements. Buffer layer and excess hospital malpractice coverage is available in the specialty market if primary coverage is placed in a state Joint Underwriting Association (JUA). Some hospital associations have self-insured programs and use independent loss and claims handling facilities and/or loss prevention programs offered by insurers that are active in the hospital malpractice field.
Kidney Dialysis Centers
Coverage applies to general liability and professional liability for centers that provide dialysis services to patients with diseased kidneys. This coverage is limited to centers that provide only outpatient services.
Managed Care E&O
Managed care operations attempt to balance a patient’s health care needs with the cost to provide services. This is not a health care professional liability policy. It is an administrative failure policy and includes errors and omissions made through the managed care facility. It may also provide directors and officers liability coverage.
Medical and Radiology Laboratories Professional Liability
This professional liability coverage protects medical laboratories against claims that allege injury due to malpractice, error, or omission in analyzing specimens and other services to diagnose the status of health, disease, or injury. It also protects the radiology laboratory against claims that allege injury due to taking and diagnosing X-rays or other images.
Medical Billing Companies E&O
Businesses that prepare doctors’ bills to send to Medicare, state Medicaid programs, insurance companies, and others can purchase errors and omissions insurance. It pays the legal expenses and damages a doctor sustains due to errors by the third-party billing firm. Coverage is usually subject to a small deductible.
Medical Device Manufacturing
A medical device is any type of item that is used to aid patients that are not pharmaceutical. Many of the devices require FDA approval but others are over the counter items with sometimes questionable claims of efficacy. A tongue depressor is a medical device as is a pacemaker. Items can be external or inserted inside the body. Durable Medical Equipment (DME) is a defined subset of this category.
Medical Diagnostic Centers E&O
Professional liability coverage for medical diagnostic centers that perform magnetic resonance imaging (MRI), ultrasound, conventional flat film X-rays, commuted tomography, and positron emission tomography services for their patients is available on a claims-made basis. Commercial general liability and other related coverages also are available at varying limits.
There are health care options beyond the borders of the United States. Individuals who travel abroad for medical treatment have some very specific accident and disability insurance needs. Most of them use facilitators to arrange and handle the many details related to travel, health care facilities, recovery, and any needed rehabilitation. These facilitators need liability coverage if their negligence in providing the promised services results in bodily injury, property damage, or personal or advertising injury. This is an evolving marketplace and new coverages are constantly being created as hazards are identified.
Medical/Physical Rehabilitation Therapy
Medical/physical rehabilitation professionals help people attain physical, mental, social, and vocational independence. Rehabilitation services include case management, residential visits, physical, speech and vocational therapy, recreational activities, and clinical and medical evaluations. The services can be short- or long- term and are based on the specific needs, the treatment plan, and how the individuals respond to the therapies.
Nurse practitioners are nurses who have obtained master or doctoral degrees and are certified as such by a nursing board in the state where they practice. State regulations determine the services they can provide. Many practice independently from physicians while others are required to have a collaborative relationship with a physician. Some states permit full rights to prescribe medication while others restrict or prohibit their ability to prescribe medications without physician oversight.D672
Nurse-Midwives Professional Liability
Professional liability insurance for nurse-midwives is usually available to licensed nurse-midwives through a group policy sponsored by their professional association, the American College of Nurse-Midwives (ACNM). However, some may be covered in a physician’s group with which they are associated. ACNM members must meet certification requirements of the school they attend and be licensed by the state board for the state where they practice.
Nurses Professional Liability
This coverage insures nurses against allegations of malpractice, error, or mistake in the practice of the nursing profession. It can be purchased for the benefit of an employed nurse or separately by independent nurses. Some companies write this coverage on an occurrence basis. The coverage provided, its availability and the premium charged vary, based on the nursing specialty.
Nursing Homes Professional Liability
This coverage insures nursing homes against allegations of malpractice, error, or mistake in the care of patients in their facilities. Most policies combine commercial general liability and professional liability coverages. Availability and pricing varies significantly by state and by the type of services the nursing home provides.
Ophthalmologists Professional Liability
Ophthalmologists are medical doctors who specialize in eye-related disorders. Their work is often very risky but the introduction of various new technologies, such as lasers, has enabled eye surgery to be performed more successfully than ever before. Ophthalmologists professional liability is written using physicians professional liability coverage forms and is rated based on the eye surgeonâ€™s degree of experience and specialization.
Opticians Professional Liability
Professional liability insurance coverage for opticians is similar to the coverage provided to druggists. It also includes products liability coverage and protects the optician against claims for malpractice, errors, or mistakes in the practice of optometry or in providing optical services.
Optometrists Professional Liability
Optometrists have advanced degrees in eye care and diagnose ocular disease, prescribe medicines, treat visual-related conditions and, in certain states, perform minor eye surgery. They provide prescriptions for corrective lenses. They may refer patients to ophthalmologists for advanced surgical treatment but remain involved in patient follow-up. Most optometrists fit and sell eyeglasses and contact lenses. They also need coverage as an optician if they grind and prepare lenses on site. The following write this professional liability coverage:
Osteopaths Professional Liability
Osteopathic physicians adhere to a more holistic approach to medicine but otherwise are very similar to other licensed physicians. This coverage protects them against claims for damages due to injury that arises from alleged malpractice, error, or mistake in rendering professional services.
This professional liability coverage applies to various types of outpatient clinics and protects them against liability that arises from injury due to their negligent acts, errors, or omissions in the treatment, counseling, or other professional services they provide to outpatients. At one time, outpatient surgery clinics handled only simple surgeries. They have now expanded to handle any type of surgery where patients are not required to stay the night. Other types of clinics include birth control and family planning, adult and child guidance services, substance abuse counseling, sports medicine and care, mental health, speech and audiology, and heart and stress clinics.
Paramedics Professional Liability
Paramedics receive formal training and professional certification. They are licensed by both formal boards of accreditation and the state in many jurisdictions. Most ambulance drivers and attendants, and many police officers and fire fighters, receive paramedic training as part of their jobs and in case of emergencies. Although paramedics are not required to be as skilled or knowledgeable as physicians, they do assist doctors in emergencies and outpatient clinics. Their professional liability exposures are similar to the professional liability exposures of nurses and physician assistants.
Pharmacists Professional Liability (Employed)
This professional liability coverage insures employed pharmacists against claims for damages due to injury that arises from alleged malpractice, error, or mistake in the rendering of professional services. Pharmacists who work for or own a drug store are protected by that storeâ€™s druggists liability policy. However, an employed pharmacist is not covered for professional advice or activities that are not related to that drug store. This coverage also helps the employed pharmacist if the drug storeâ€™s limits are used up or if the coverage is inadequate to protect the pharmacist. This insurance is subject to the general rules for health care providers professional liability insurance.
Physicians Assistants Professional Liability
Physicians Assistants (PAs) operate under the guidance of a physician but they have their own professional liability exposures. Even though a physician guides them, they have their own patients for whom they develop treatment plans and prescribe medications. Although PAs usually work in family practices, they are also in many other specialties. This coverage protects the PA for claims for damages due to injury caused by the PAâ€™s alleged negligence in conducting his or her professional duties.
Physicians Professional Liability
This professional liability coverage protects insured physicians against claims for damages due to injuries that arise from their alleged malpractice, error, or mistake in rendering or failing to render professional services. This insurance may be written for individuals, partnerships, and members of corporations or professional associations.
Physiotherapists Professional Liability
Physiotherapy or physical therapy is an increasingly popular way to rehabilitate individuals so that they can return to the lifestyle they had prior to an illness or accident. This coverage protects the physical therapist for claims of injury that result from alleged malpractice, error, or mistake in rendering or failing to render professional services. Employed physical therapists may be covered under employed professional liability insurance.
Podiatrists Professional Liability
Podiatry involves diagnosing and treating foot diseases and deformities. Podiatrists receive the Doctor of Podiatric Medicine (DPM) degree from a college of podiatry after they complete advanced course work and a residency similar to other medical doctors. Podiatrists treat skin, muscle, bone, and joint problems of the foot. Insurance coverage protects the podiatrist against claims for damages due to injuries alleged to arise from malpractice, error, or mistake in rendering (or failing to render) professional services.
Prosthetic and Orthotic Patient Care E&O
This coverage pays for liability that arises from the negligent acts, errors or omissions of practitioners in conducting the business of fitting and treating patients with prosthetic or orthotic devices. Artificial limbs, braces, surgical garments, and shoes are examples of prosthetic or orthotic devices. Prosthetists and orthotists are certified specialists but are not physicians or surgeons
Psychiatrists Professional Liability
This coverage insures covered psychiatrists against claims for damages due to injury caused by alleged malpractice, error, or mistake in the rendering of or failure to render professional services. This coverage is similar to the coverage issued to physicians in medical practice.
Psychologists Professional Liability
This coverage insures covered psychologists against claims for damages due to injury caused by their alleged malpractice, error, or mistake in the rendering of or failure to render professional services. This coverage is similar to the coverage issued to physicians in medical practice.
Radiologists Professional Liability
This coverage protects practicing radiologists against claims for damages due to injuries caused by the radiologist’s malpractice, error or omission in the rendering of or the failure to render professional services. This coverage is similar to the coverage issued to physicians in medical practice.:
Substandard Malpractice and Professional Liability
The Insurance Marketplace lists available markets for a number of specialty, unusual, or difficult-to-place malpractice and professional liability exposures. Because not every exposure and coverage need can be listed or anticipated, this classification is for any nonstandard and difficult-to-place malpractice and professional liability exposures not specifically listed.
Surgeons Professional Liability
This coverage is similar to physicians professional liability. It protects surgeons against claims for injury that arise from the insuredâ€™s alleged malpractice, error, or mistake in rendering or failing to render professional services. Specialists such as anesthesiologists, neurosurgeons, obstetricians-gynecologists, and plastic surgeons who often engage in intricate and hazardous operating procedures are more difficult to place.
This coverage protects veterinarians from claims for damages that result from alleged malpractice, errors or omissions in the rendering or the failure to render professional veterinary services. Underwriting and pricing is based on the services provided and the types of animals involved. Coverage applies to employed veterinarians, partners, and individual veterinarians.