Ambulance Malpractice Insurance
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.
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The fastest way to find the most suitable insurance coverage for your ambulance services for is to fill out our quick quote form, so we can give you an idea of the type of insurance coverage that best suits you.
Westwood Insurance works with a number of different carriers to ensure you have the most suitable insurance coverage at the best price.
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.
This coverage is available for:
- Licensed air and ground emergency and non-emergency ambulance services
- Ambulette services with professionally licensed staff
- Municipal ambulance operations.
additional resources
What types of Insurance do Ambulance Services need?
General Liability Insurance
Professional Liability Insurance
Sexual Abuse and Molestation Insurance
Commercial Property Insurance
Workers Compensation Insurance
Cyber Liability Insurance
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Speak with an Insurance Professional
Chris Worley
Chris specializes in sourcing the most suitable insurance for Ambulance Services at the best price. You can call him or fill out the form and he will get your message directly.