Insurance for Radiologic Technologists

Insurance is an essential safeguard for radiologic technologists, providing protection against the legal and financial challenges inherent in their profession. Malpractice or professional liability insurance is critical for covering claims of negligence or errors in imaging procedures, including legal defense costs and settlements.

Additionally, general liability insurance offers coverage for non-medical risks, such as accidents involving patients or visitors in the imaging suite. With the growing use of digital imaging, cyber liability insurance is increasingly important to protect sensitive patient data from breaches. By securing comprehensive insurance coverage, radiologic technologists can focus on delivering accurate and safe imaging services while protecting their careers and financial well-being from unforeseen risks.

Malpractice Insurance for Radiologic Technologists can include:

Option to include general liability insurance
Coverage limits of up to $2 million per individual claim
Complete authority to approve settlement decisions
Protection for telemedicine and telehealth services
Legal defense coverage for professional license issues
Legal defense expenses covered in addition to liability limits
Defense coverage for allegations of sexual misconduct
Protection for HIPAA-related privacy violation claims
Portable coverage available 24/7, applicable in volunteer work, telehealth roles, per diem, or moonlighting assignments

Why is Malpractice Insurance Essential for Radiologic Technologists?

Imaging technicians or radiologic technologists need insurance, as they are can be sued for malpractice in several areas:

Diagnostic Errors: While radiologic technologists are not typically responsible for interpreting the results, errors in performing the procedure correctly can lead to misdiagnosis. These errors include incorrectly positioning the patient, using improper technique, or failing to capture the correct area of interest. These can all result in inaccurate readings by radiologists or physicians.
Exposure to Radiation: Failure to use protective measures or incorrectly calibrating equipment can lead to excessive radiation exposure. This increases the patient’s risk of radiation-induced injuries or conditions.
Equipment Misuse or Malfunction: Improper use or failure to properly maintain imaging equipment can lead to patient injuries. It can also cause inadequate images, misleading diagnosis and treatment. Technnologists are responsible for ensuring that equipment is functioning correctly and safely.
Patient Injuries: Patients can be injured during imaging procedures, especially if they are improperly positioned or safety protocols are not followed. For example, an injury can occur when a patient gets on or off the imaging table. They may also experience an adverse reaction to contrast materials used during certain procedures.
Breach of Confidentiality: Imaging technicians handle sensitive patient information and images. Unauthorized disclosure of this information, whether intentionally or accidentally, can lead to lawsuits for violating patient privacy.
Failure to Communicate Critical Findings: While the primary responsibility for communicating findings lies with physicians or radiologists, imaging technicians may sometimes notice an abnormality. If they fail to report these observations to the supervising physician or radiologist, it could lead to delays in diagnosis and treatment.
Inadequate Documentation: Accurate documentation of the imaging process, patient positioning, settings used, and any anomalies observed during the procedure is crucial. Inadequate or inaccurate documentation can lead to questions about the quality and appropriateness of the imaging procedure. This can potentially implicate the technologist in malpractice claims.

Malpractice, radiologic technologist insurance or X-ray technicians liability insurance provides financial protection against claims of negligence or malpractice. It covers legal defense costs, settlements, and judgments. For imaging technicians and radiology technicians, liability insurance is essential for mitigating the financial and professional risks associated with their work.

Westwood Insurance Group work with different insurance companies to source the most suitable coverage at the best price. Get a Quick quote on your insurance today.