A clinic is a health care facility that is primarily devoted to the care of outpatients. Clinics typically cover the primary health care needs of populations in local communities, as opposed to larger hospitals, which offer specialized treatments and admit inpatients for overnight stays. Clinics are often associated with a general medical practice, run by one or several general practitioners or practice managers.
Some clinics function as a place for people with injuries or illnesses to be seen by triage nurse or other health worker. In these clinics, the injury or illness may not be serious enough to warrant a visit to an emergency room, but the person can be moved to one if required. Treatment at these clinics is often less expensive than it would be at a hospital emergency room. These clinics sometimes have access to diagnostic equipment such as X-ray machines, especially if the clinic is part of a larger facility. Doctors at such clinics can often refer patients to specialists if the need arises.
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With the services medical clinics provide come exposures that if not properly addressed can undermine the continued success and profitability of the facility. Clinics, for example, possess confidential patient information vulnerable to data breaches and the potential of incurring significant expenses, including first-party costs to remedy the breach, notify patients, hire a crisis management team, etc.; regulatory fines; and defending third-party lawsuits and possible settlement payouts. A clinic’s misdiagnosis could lead to a professional liability lawsuit, allegations of employee discrimination can result in workplace claims, and on-the-job hazards can cause employee accidents and injuries and workers’ comp claims.
National wholesaler Highland Risk Services specializes in insuring the healthcare industry, including medical clinics, providing programs exclusively through our agents to help mitigate losses and respond when a loss does occur. Our comprehensive coverage solutions includes:
- Professional Liability
- General Liability
- Employee Benefits Liability
- Sexual Misconduct
- Excess & Commercial Umbrella Liability
- Cyber Insurance
- Commercial Property
- Commercial Auto
- Workers Compensation
You can get a more detailed view of our program highlights here. In addition, Highland Risk works with top-tier, A-rated markets, with our programs available nationally.
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What we do is not as important as how we do it. We invite you to explore the Highland Risk difference. Just give us call at (847) 832-9100 to learn more about us, our coverage lines and programs and how we can serve you and your clients’ needs.