Examining liability gaps for allied healthcare businesses

This post is part of a series sponsored by The Hanover Insurance Group.

General and professional liability coverage is a key component of insurance protection for allied healthcare businesses. However, healthcare organizations may be unaware of common liability coverage gaps that exist for many healthcare professionals including nurses, technicians and health aides.

Consider these scenarios

What happens if a patient receives the incorrect dosage of medication from a nurse at a healthcare facility? Or, imagine that a business faces an allegation that a health aide abused a patient in the facility’s care. How would your client’s current general and professional liability coverage respond?

If allied healthcare professionals aren’t sufficiently covered by their general and professional liability policies, the facility could be forced to pay out of pocket for judgments or settlements against them. That’s why it’s important for allied healthcare businesses to be educated about the risks that may arise from coverage gaps related to general and professional liability to help ensure they have the proper protection in place for their businesses.

Closing coverage gaps for allied healthcare

In addition, physicians’ malpractice coverage does not always provide protection for lawsuits against the actual business entity. Hanover Allied Healthcare Advantage offers broad professional liability coverage for allied healthcare organizations, including employees and sub-contractors, to help close those coverage gaps. In addition, The Hanover provides vicarious liability coverage for contracted and/or employed physicians.

Developed by healthcare experts, Hanover Healthcare Advantage includes strong general and professional liability coverage designed to help eliminate these types of common coverage gaps. This seamless solution for general liability and professional liability can greatly reduce the potential coverage gaps that can arise when these policies are placed with different carriers — and as a result, help mitigate potential E&O claims against your agency if your allied healthcare client ends up being underinsured for a claim.

For more information about The Hanover’s allied healthcare offerings, visit the healthcare page on hanover.com.