Allied Healthcare and Miscellaneous Medical Professional Liability

With longer life expectancies and an increased demand for better care, a group of healthcare professionals distinct from physicians, dentists and nurses known as allied healthcare professionals has emerged in today’s job market. These care providers serve as part of a healthcare team by supporting and complementing the role of medical professionals such as doctors and nurses.

Working as sole proprietors, employees, independent contractors and business owners, this sector of the healthcare industry is experiencing massive growth, according to U. S. labor reports. The United States alone has over five million allied healthcare providers working in more than 80 different allied healthcare professions.

Healthcare providers are no longer regarded as “always knowing what’s best.” Easy access to health information on the Internet has emboldened patients to make judgments about the quality of their care, increasing the likelihood of claims when they aren’t satisfied.

There have been substantial increases in claims against allied healthcare professionals due to a perception of shared responsibility with physicians. Even when you do everything right, clients can sue you for negligence in providing professional services. How much can your customers afford to pay to defend their name, reputation and personal finances?

Which Clients Need Professional Liability Coverage?

Many of your customers will fit the profile for Allied Healthcare Professional Liability coverage and some examples include:

• Audiologists
• Fitness Instructors
• Home Health Care Agencies
• Massage Therapists
• Medical Spas
• Nutritionists
• Medical Personal Service companies
• Pharmacists and Pharmacies
• Physician Assistants
• Physical/Rehabilitation/Occupational/Speech Therapists and clinics
• Respiratory Therapists

What Does an Allied Healthcare Professional Policy Cover?

• Professional Liability (Claims-made)
• General Liability (Occurrence or Claims-made)
• Abuse/Molestation
• Non-owned Auto Liability
• Third Party Discrimination
• Employee Benefits Liability
• Disciplinary Action defense coverage
• Duty-to-defend
• Separate limits for PL and GL available
• Defense outside the limits (optional)

Next Steps…

Access E&S can help you find the right coverage for your clients through numerous carriers. Contact us today to help keep your clients confident even in the face of an unexpected lawsuit.

Download: Professional Liability