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Healthcare Insurance

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Protect your healthcare organization with specialized insurance coverages. Safeguard your facilities, employees, and patients with the right protection.

Healthcare entities, from hospitals and nursing homes to outpatient clinics and medical groups, face unique and complex risks. Our healthcare focused practice is designed to address these challenges, ensuring that your organization can continue to provide care while minimizing financial and operational risks. With tailored coverage, you can protect your staff, patients, and operations from the unexpected.

What does insurance for healthcare organizations cover?

Insurance specifically designed for healthcare provides protection for the broad spectrum of risks that healthcare organizations face. From liability claims to property damage and employee safety, these policies are designed to cover the exposures specific to healthcare facilities. Coverage options may include protection for malpractice, cyber threats, business interruptions, and physical damage to your buildings or equipment. With the right insurance in place, you can ensure the stability of your operations and the well-being of your patients and staff.

Most common coverage options for healthcare companies.

Healthcare entities require coverage that is tailored to the complexities of their operations. Some of the most common coverage options for the healthcare industry include:

  • General Liability Insurance (covering accidents or injuries on your property)
  • Medical Malpractice Insurance (for protection against claims of professional negligence or errors)
  • Workers’ Compensation Insurance (for employees injured on the job)
  • Property Insurance (covering the physical damage or loss of your facilities and medical equipment)
  • Business Interruption Insurance (to cover loss of income during a temporary closure)
  • Cyber Liability Insurance (protecting against data breaches and protecting patient information)
  • Directors and Officers Liability (D&O) (for claims related to management decisions and governance)
  • Employment Practices Liability Insurance (EPLI) (covering claims of discrimination, harassment, or wrongful termination)
  • Crime Insurance (protecting against internal theft or fraud)

The gaps that healthcare entity insurance fills in.

Standard business insurance policies typically don’t provide the coverage needed for healthcare entities, particularly in addressing industry-specific risks. Insurance programs built specifically for healthcare help fill these gaps by offering coverage for risks like malpractice claims, regulatory penalties, and loss of patient data. It also ensures protection for staff-related risks and operational challenges, such as damage to critical infrastructure or a loss of income due to business interruption.

Coverage for the unexpected.

Healthcare organizations are at constant risk of unforeseen events that can disrupt operations or compromise patient safety. Whether it’s a cyberattack, a lawsuit, or a natural disaster, having the right insurance program ensures that your organization is prepared for the unexpected. With comprehensive coverage, you can continue providing essential services without the financial strain that comes with these risks.

Are you ready to protect your healthcare entity with specialized insurance?

Contact us today to discuss your organization’s specific risks and coverage needs. We’ll work with you to design an insurance program that protects your organization, your staff, and your patients. Ensure your organization is prepared for whatever comes next.

Find Your Coverage

We’re here to help you explore your coverage options.

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Contact Higgins Insurance

 833-772-7900
Email Us
 270-886-8177 fax

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  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

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