Allied healthcare professional liability insurance provides coverage for medical professionals who are not physicians, such as nurses, physical therapists and dentists.
Understanding Allied Healthcare Professional Liability Insurance
Allied healthcare professional liability insurance provides coverage for non-physician healthcare professionals such as nurses, physician' assistants, midwives, dentists, physical therapists, occupational therapists, medical technicians and others.
Take for example an occupational therapist working in the home of an elderly patient. The therapist leaves the room briefly and returns to find the patient on the floor with a bruised hip. The family of the patient sues the therapist for negligence, claiming if the worker had stayed in the room the injury could have been prevented. The worker's allied healthcare professional liability insurance would provide coverage during the lawsuit.
Allied healthcare professional liability insurance is often marketed through industry associations, which offer advantageous premium pricing and coverage by creating a larger pool of insured.
What's Covered
Most policies limit liability to between $1 million and $3 million for incidents occurring in the place of work or in a patient's home. Supplemental coverage will include damages incurred to the patient's property, pay for lost earnings, and medical payments. There are also policies for part-time workers.
The policies have evolved with new technologies that enable sharing of patient data. In addition to professional liability exposure, a comprehensive policy will cover healthcare data protection risks and the risks associated with non-compliance with the Health Insurance Portability and Accountability Act (HIPPA). For example, HIPAA establishes privacy rules concerning patient information such as diagnostic images, laboratory tests, and other medical information.
But with the advent of social media, the inadvertent sharing of this information becomes an increased risk.
Our underwriters are ready to assist you. You can find applications, proposal templates, marketing flyers and everything else you need to cover all your insureds on our website. Contact our team here.
If you came to this page looking for health insurance that covers things like addiction rehab, dental work, etc., you've come to the wrong website. This is for allied health-related businesses.