Liability Insurance for Ambulances Services- Get a Quote

Malpractice insurance is essential for air and ground ambulance services due to the critical and high-risk nature of their work. These services are responsible for transporting patients in emergency and often life-threatening situations, where the potential for errors in medical care, equipment usage, or judgment can lead to serious complications or even fatalities.

Given the fast-paced environment in which ambulance teams operate, any delay or mistake in providing care, such as miscommunication, improper use of medical equipment, or incorrect patient stabilization, can result in lawsuits alleging negligence or malpractice. Malpractice insurance protects ambulance services from the financial burden of legal defense costs, settlements, and judgments arising from such claims, ensuring the continuity of their operations without the risk of financial collapse.

Ambulance Malpractice Insurance can include:

Bodily Injury Coverage
Property Damage Coverage
Premises Liability including slips, trips, and falls
Completed Operations Coverage
Personal and Advertising Injury including Defamation (slander or libel)
Medical Payments Coverage
Legal Defense Costs
Legal defense expenses covered in addition to liability limits
Abuse and Molestation (SAM) Coverage (limited coverage)

Why do Air and Ground Ambulance Services need Insurance?

Paramedics and emergency medical technicians (EMTs), whether by air or ground, are frontline responders crucial to saving lives. However, their demanding roles come with inherent risks. Misdiagnosis for example, can occur when paramedics face complex medical scenarios. The consequences of such errors can be dire, resulting in the serious injury or even death or a patient.
The physical nature of emergency situations often requires rapid and precise patient handling. Unfortunately, injuries can result from incorrect movements or mishandling during transport. These risks highlight the necessity of malpractice insurance for both air and ground ambulance services. Insurance not only shields providers from legal claims stemming from misdiagnosis and injuries but also ensures that you can continue these vital services and your lifesaving work with confidence.

What does Ambulance Insurance Include?

Westwood Insurance Group works with insurance providers who provide specialist cover for for both emergency and non-emergency operations, including:

Professional Liability (malpractice insurance) available on an occurrence or claims-made basis
Loading and unloading of patients is viewed as a professional liability exposure; coverage is automatically provided
Separate General Liability limits on occurrence or claims-made basis
The policy covers your medical professional employed personnel, including paramedics, emergency medical technicians and registered nurses.
Physician coverages may be included on a shared or separate limits basis with entity (claims-made only)
Automatic coverage for Medical Directors’ administrative duties; with optional coverage available for Medical Director’s patient duties.
Claims made option includes an “incident sensitive trigger” with prior acts and extended reporting period options also available
Nose coverage for those insureds moving from claims-made to occurrence coverage
International operations are included in the coverage, provided the claim / suit is filed in the United States, its territories, or Canada.