The healthcare business is unique in as much as it must deal with existing exposure to liability and the increasing risks associated with transitioning into the ever-changing modern world of technology. From the conventional perils that include resident falls to the pitfalls of updating electronic health records, the overwhelming amount of related hazards continuously plague the industry.
As with any challenging issue, you best bet in fielding the potential to loss and damage is by partnering with competent professionals. When it comes to insurance coverage, nothing could be further from the truth.
This form of insurance coverage is pertinent if you are a
• Home healthcare agency
• Hospice facility
• Skilled nursing center
• Assisted living facility
• Independent living company
• Continuous care retirement provider
• Adult day care center
• Mental health facility
• Substance abuse center
• Related group
General coverage from an experienced independent agency that has been recognized by the industry with awards and with rights to conduct business with many of the leading companies is your optimum defense against lurking dangers. When speaking to an insurance professional, make sure to discuss all factors of your facility.
If needed, your agent will present options for the following protective plans as well:
• Management protection liability, employment practices, fiduciary liability, crime liability for public organizations, as well as for private and not for profit organizations
• Privacy and network security liability for health care companies
• Property insurance coverage
• Builders risk insurance coverage
• Commercial auto insurance coverage
The following case scenario serves to illustrate how important it is to team up with the right insurance agency:
A decidedly distraught nursing home administrator called one of the leading independent agencies in the northeast part of the country to discuss his coverage dilemma. Though the aging facility had a good policy in place as far as the facility itself went, the plan did not offer home pick-up coverage for patients being driven in for services. Facing serious liability risks without related coverage was a matter that was unacceptable. The agent on the other end of the telephone listened to the man's insurance worries and promised him he would work on his behalf to search for the most tailored plan at a competitively low rate. It did not take long before the agent returned the call with very good news: "We found commercial auto coverage for you, but that's not all we can do for you!" he said. "Bundled into this policy is property and liability coverage together with great savings on the premium payment!"
Understandably, the nursing home administrator became a genuine satisfied insurance client. Turning to an A++-rated agency had become one of the best business moves he had ever made!
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