The medical industry encompasses a wide range of professions, extending far beyond simply doctors and nurses. Allied health care refers to a vast and complex support industry, including technicians, hygienists, medical assistants, billers, and numerous other professionals. Ensuring your institution carries sufficient allied health care insurance will help your operations proceed smoothly and avoid potentially high litigation costs.
What Types of Insurance Should Allied Health Care Workers Carry?
It is vital to ensure allied health care workers carry insurance sufficient to cover all of the varied risks in their work. In many cases, these risks overlap with traditional medical liabilities.
Coverage should include typical categories like General Liability and Professional Liability. Other policy coverage — like sexual abuse liability — is frequently included in a policy as well.
Is Excess Insurance Necessary?
In some cases, rising healthcare costs and increasing instances of litigation suggest that carrying sufficient excess allied health care insurance may be needed. Excess insurance typically raises coverage limits in the event of a lawsuit or other incident that necessitates coverage.
If you work in the allied health care industry or run an institution employing significant allied health care workers, it is essential to speak with your insurer to ensure you carry sufficient insurance to protect your operation and workers in the event of an incident.