Surging Demand for Procedures Leads to Botox Malpractice Liability Risks
Allied Health & Specialty Centers
Coverage plans for all Allied Health Providers – urgent care, surgery centers, specialty clinics & more.
Insurance for Allied Health & Specialty Health Centers
Operating an allied health center – whether it’s an urgent care facility that eases the pain of a sick child or an after-hours imaging center performing an MRI on a weekend warrior that went too far– you take pride in providing a necessary service that, in the great majority of cases, means someone is on the road to feeling better. But you are also aware there are as many opportunities for the tables to be turned and for the health of your business to be compromised by negligence or legal action.
There’s no getting around the fact that your business is constantly at legal risk and you run into new factors every day. Did your X-ray technician provide the right protection to that last patient? Or did your front office staff leave their computer and let an unauthorized individual see a patient’s file? To protect your business from these and other risks, you need a comprehensive business insurance plan delivered by a broker that really knows your industry.
Some Risks Affecting Allied Health Care Providers Include:
- Ever-changing healthcare laws at the federal and state level
- Health insurance regulations
- Patient privacy concerns due to negligence or cyber attacks
- Staff that doesn’t follow policies and procedures for patient care
- Common slip-and-fall or similar accidents
- Medication mix-ups
- Weather or environmental disasters
No matter if you employ just a few people or operate numerous facilities with hundreds of employees, the ability of your allied health center to provide the care your patients need can be affected by something as simple as a wet floor that causes a fall to complications from a medical procedure.
Being prepared with the right allied health provider liability insurance is as critical as the having the right medical equipment.
Heffernan Allied Health Insurance Professionals Serve:
- Audiologists & Speech Language Pathologists
- Cosmetic Nurses
- Dental Assistant
- Dental Hygienist
- Dialysis Centers
- Emergency Medical Personnel (EMTs & Paramedics)
- Health System Administration & Management
- Independent Pharmacies
- Licensed Practical Nurses
- Medi-Spas
- Nurse Practitioners
- Nutritionists
- Outpatient Surgery Center & Ambulatory Surgery Centers/Surgicenters
- Personal Trainers
- Physical Therapists
- Physical Therapy Centers
- Physician Assistants
- Radiation Therapy Centers
- Radiology & Imaging Centers
- Registered Nurses
- Respiratory Therapists
- Specialty Clinics, such as Sleep Centers & Rehabilitation Centers
- Urgent Care Centers
- Yoga Instructors
- And Many More.
Advice and Insurance Options for Your Allied Health Organization
- Property and Casualty (all lines)
- Quick turnaround
- Expert advice and service
Allied Health Individual Professional Liability
- Individuals
- Professional and General Liability
- Real time rate, quote, bind
Partner with an Allied Health Insurance Expert
As a highly specialized medical care provider, you need to work with an insurance broker who is also a specialist in your field with years of experience in your industry and a deep understanding that change is a daily occurrence in your practice.
That’s why Heffernan’s long history of providing customized, complete insurance to allied health providers of all shapes and sizes means you’ll be working with knowledgeable brokers that know the unique ins-and-outs of your business and what could derail your success.
Our Customized Allied Health Insurance Packages can include:
- General Umbrella Liability Insurance
- Cyber/Privacy Liability
- Professional Liability/Malpractice/negligence
- Commercial Property
- Worker’s Compensation
- Automotive/Transportation (Hired & Non-Hired Auto)
- Business Owner’s policy
- and more
Call Heffernan today to get started on an assessment of your facility’s insurance needs: 855-700-1988
Risk Management
If your business serves adjunct industries such as senior living communities or home care agencies, Heffernan Insurance can provide you with a comprehensive insurance and risk management solution.
Our agents will work with you to examine current and potential risks to your business, based on our years of experience and dedication to having in-depth knowledge of the industries we serve.
Some Allied Health Insurance Factors:
- Number of facilities
- Types of services performed
- What kind of hazardous materials and/or equipment do you use?
- Do you provide any elective services?
- How is your staff trained?
- What is your claim history?
Have a dedicated Heffernan insurance agent review your current plan and work with you to devise the right coverage to meet your growing needs and mitigate risks to your business.
Frequently Asked Questions
Explore key questions about Allied Health Insurance
What is Allied Health Insurance?
Allied Health insurance provides coverage for professionals in the healthcare sector who are not doctors, dentists, or nurses, such as physical therapists, radiologists, and medical technicians. Allied Health insurance ensures that healthcare professionals can focus on patient care while being protected from potential financial risks with allied health benefits.
What does Allied Health Insurance Plans Cover?
Allied Health insurance plans primarily cover professional liability, protecting healthcare professionals against claims of negligence or malpractice in their services. It also includes general liability coverage, which safeguards against accidents or injuries that occur on the business premises. Additionally, allied health insurance plans may cover property damage, ensuring protection for the physical assets of the practice. Business interruption coverage can be included to compensate for lost income due to unforeseen events that halt operations. Depending on the practice’s needs, it may also offer cyber liability coverage to protect against data breaches and cyber threats.
Who needs Allied Health Insurance?
Allied Health insurance is essential for allied healthcare professionals who are not physicians, dentists, or nurses, such as physical therapists, occupational therapists, radiologists, and medical technicians. It is also crucial for businesses and practices that employ these professionals, including rehabilitation centers, diagnostic labs, and outpatient clinics. Allied medical insurance provides protection against professional liability claims and other risks associated with delivering healthcare services. Essentially, anyone in the allied healthcare field who interacts with patients or provides healthcare services should consider this coverage.
What are the costs of Allied Health Insurance?
The costs of Allied Health insurance vary based on several factors, including the type of healthcare services provided, the size and location of the practice, and the coverage limits selected. Premiums are influenced by the professional’s experience, claims history, and the specific risks associated with their field. Generally, smaller practices or individual professionals may pay lower premiums compared to larger organizations with more extensive operations. Additional allied health insurance plans, such as cyber liability or higher liability limits, can also affect the overall cost.
How do I get Allied Health Insurance?
To obtain Allied Health insurance, start by consulting with an experienced insurance broker who specializes in the healthcare industry, such as . Provide detailed information about your practice, including the types of services offered, the number of employees, and any specific coverage needs. The broker will then gather quotes from various allied health insurance providers, comparing coverage options and premiums to find the best fit for your situation. Once you select a policy, the broker will guide you through the application process, ensuring all necessary documentation is completed. Finally, review the policy terms by the allied health insurance providers carefully before finalizing to ensure it meets your coverage requirements and budget.
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