As a healthcare professional, working in one of the most highly regulated industries, heightened protocols, procedures and processes are a necessary part of your job, required to protect the patient, the resident and even you - the caregiver. When not followed, your professional and business reputation can be affected. Consider the following real claims scenarios.

Don’t go at it alone: Protocol can prevent injury

One hospital patient was in a hurry to get dressed after being discharged. He required a two-person assist for dressing, but only one nurse was available. Instead of waiting for assistance, the nurse tried to dress the patient alone and in the process the patient fell and broke his hip. The nurse and the hospital both were charged with neglect.

 Natural disaster exposes process failures leaving administrator to pay for indemnification

During Hurricane Sandy, when patients at one nursing home were evacuated, there was no system to keep their medical records with them, as is required by state law. The resulting lawsuits brought by the patients and their families combined to erode coverage limits, leaving the administrator and the nursing home responsible for a portion of the indemnification and a huge increase in their premiums for the following policy years.

The moral? Implementing necessary protocols and compliance procedures is critical to protecting all parties and reducing your risk. Ensure your business has the necessary healthcare Professional Liability insurance to back you up.

Anyone and everyone can be named in a lawsuit today. As a healthcare professional you need to be prepared for common professional liability exposures specific to your work:

  1. Staff errors and accidents

    Medication and care plan errors, resident or patient accidents and safe patient handling mistakes can be a major liability for any healthcare institution or business.

  2. Clinical exposures

    The push to move more patients out of the hospital quicker and into skilled nursing facilities or back home means that more acute patients are now in a nursing home, under the care of home health, in a doctor’s office and more, heightening liability for all.   

  3. Regulatory exposures

    New regulations from OSHA, the ACA, HHS and more require healthcare organizations to implement more detailed policies and procedures, with now imminent reporting deadlines – in which every healthcare institution and business must comply.

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