Lawsuits and Nurses Malpractice Insurance

Nurses are responsible for the care and safety of their patients. Unfortunately, in these types of situations, a patient may claim that neglect or abuse occurred at the hands of their caregiver, and this could swing the burden of proof that no wrongdoing actually happened on the part of the nurse. These types of accusations often occur at nursing homes where nurses are often isolated with patients. A patient suffering from dementia or Alzheimer’s may actually believe something bad has happened to them when that is not the actual case.

Nurses need to carry nurses malpractice insurance, either through their employer or have their own personal policy to combat such allegations. This is helpful to defend against lawsuits in the event the family of a resident or a patient (in the case of a hospital) feels that they became the victim of abuse, or been taken advantage of financially or otherwise.

Accusations, even false ones, often bear weight

The stress of a hospital or nursing home establishment can have an adverse effect on a caregiver. As elderly citizens become more physically frail, they’re less able to stand up to bullying or fight back if attacked when such issues become prevalent. Such acts are viewed as criminally negligent at their worst, and if proven, can lead to costly judgments against the accused. Mental or physical ailments may make many patients of all ages more trying companions for those responsible for providing them with care. More than half a million reports of abuse are reported to authorities every year, while many more cases may go unreported.

Physical abuse

Victims and their families often report physical abuse or the use of force against a patient that results in physical pain, injury, or impairment. Such abuse includes physical assaults, such as hitting or shoving, inappropriate use of, or dispensing of drugs, harmful use of restraints on patients, or confinement for unusually long lengths of time. Such behavior is intolerable and there is a need for more stringent observation of nurses providing assistance to patients deemed difficult to care for.

Emotional abuse      

In the case of emotional or psychological abuse, nurses may be speaking to or treating a patient in ways that may cause emotional pain or distress. Verbal forms of emotional abuse include intimidation through yelling or threats, humiliation and ridicule, or even nonverbal psychological abuse, such as ignoring any requests or needs as expressed by the patient, isolating them from friends or activities, or terrorizing or menacing them. Such accusations, whether they’re warranted or not, will usually need a defense. Having nurses malpractice insurance can provide your client with the necessary defense that can threaten a career, and create a serious financial burden.

Accidents and Mistakes Factor Into Nursing Home Insurance Rates

The main focus of nursing homes is to provide the highest quality of life for the residents living there. But from time to time situations arise where injuries, often unintentional, end up causing severe pain for the injured party and may require lengthy rehabilitation. The need for liability insurance for nursing homes is crucial, and preventing injuries from occurring can help to reduce nursing home insurance rates.

Attendants and nurses must be extra careful with regards to the services they perform for their residents. But when working with frail individuals, often in poor health, it can result in issues that will need to be addressed. Having this valuable coverage covers medical costs and any settlements brought against the doctors and staff. Here are a couple of the common claims normally associated with this industry that having a professional liability policy will help cover when purchased alongside other insurance policies.

Accidental injuries to residents

Many patients will require assistance getting in and of their beds or wheelchairs. Lifting a patient multiple times a day can easily result in accidents occurring, even though a patient may be receiving the utmost care. Even cautious staff members can have an occurrence where a resident winds up suffering an injury. An event of this type can spur lawsuits against a nursing home, and owners must be ready to defend the actions of their staff.

Medication errors are cause for alarm

Nurses operating within nursing homes usually have several patients that they care for daily, so there may be concerns when it comes time to dispense medication. Since each patient will more than likely require different medications, and at different dosages, nurses must be well organized. If the wrong medicine or wrong dosage is accidentally given to a patient, the results can have serious, even fatal, consequences.

These sorts of mistakes unfortunately do happen. For example, if a staff member at a nursing home mistakenly gives an Alzheimer’s patient the wrong drug for issues with their central nervous system, this could result in his or her blood pressure dropping so significantly that it results in the patient dying.

These are common risks and exposures that all medical personnel must be cognizant of, and are best handled by owners having liability insurance for nursing homes. Brokers who handle this line of business should look into ways that their clients can save on nursing home insurance rates.

Protecting Your Interests and General Liability Insurance in Florida

No business owner who understands that when a liability issue arises, no matter how much money you save by not carrying the right amount of insurance, the end result is that you’ve placed your business at risk, and quite possibly your personal finances as well. General liability insurance protects your business from claims by any person or business’s claims of bodily injury, along with any associated medical costs and property damage. Your business should not be treated like a casino, because you can’t afford to take that gamble.

Unfortunately businesses are being sued all of the time for things like negligence, libel, slander, property damage, bodily injury, and copyright infringement among other things. And businesses can even be sued in instances when they’ve done nothing wrong. One of the best ways to avoid a lawsuit is to run the safest operations possible, but that still doesn’t mean that an accident or some form of negligence isn’t likely to take place. This is why smart business owners make a point of purchasing general liability insurance in Florida as soon as they are up and running.

Improve safety and reduce risk

Running a safe business is the best type of risk management practice that money can buy. Conducting safety meetings, discussing past issues and finding solutions moving forward will reduce the number of accidents and errors, which is a type of insurance you don’t necessarily have to pay for. Make sure that when an incident occurs, it is fully investigated and documented. This way, you’re likely to avoid a repeat of the issue, because generally people learn from their mistakes.

Things covered by a commercial general liability policy (CGL)

General liability insurance offers some of the broadest business insurance coverage money can buy. It may be included in a business owner’s policy (BOP) or is also available as stand-alone coverage. A few of the risks a business could face that a CGL helps to protect against are bodily injury or property damage, reputational harm, advertising errors, medical payments, and any damages to the premises you are currently occupying. You also have an option to add a business entity or other individual parties to your general liability insurance in Florida, so speak to an agent about coverage options today.

Staying Vigilant to Avoid Medical Identity Theft

It seems like you can’t turn on the news today without hearing a story about the latest security breach. Major retail chains, small mom-and-pop shops, and even titans of the medical industry are reeling from multiple thefts of electronic data by virtual bandits. Purchasing group health insurance plans in Miami with the guidance from a professional insurance agent is helpful in making sure that the best quality policies from top-rated providers are available for comparison. It’s not always an apples to apples comparison, so your agent will guide you in deciphering the many features and benefits that each contender offers, and analyzing them to determine which one can give you the biggest bang for your buck. Your agent can also offer information about medical identity theft, which is of fastest-growing crimes in the United States today.

What happens when foxes get inside the henhouse

When crooks get hold of someone’s credit card information, they typically use it to try to run up charges on the card as quickly as possible. The credit card company (or the consumer) cancels the card and sends the consumer a new one. But cracking a company’s database of medical personal information of its clients gives thieves access to a treasure trove of additional data. They may use this information about a particular person to do everything from fraudulently obtain prescriptions, get expensive surgery (Brazilian butt lift, anyone?) or other medical services, and even receive benefit checks.
The damage that thieves can cause may be substantial, and consumers can spend years clearing their name of negative credit reporting information that has been unfairly assigned to them due to the identity theft–and this can have a ripple effect, creating hardships in everything from obtaining new credit to purchasing a house or even getting a job.

How to protect yourself

Vigilance is necessary in these troubled times. Experts recommend that you do the following:

  • Carefully check insurance and medical statements when you receive them, rather than just quickly glancing at them. Don’t toss them in the trash–shred them as you would any financial data.
  • Watch for discrepancies in dates and types of services provided, as well as errors in the name of the service provider.
  • Keep close tabs on your member identification card.
  • Never provide your personal information (e.g., your date of birth) just to get a freebie at some store–you never know when that information could be compromised, or is a scam itself.
  • Don’t provide personal information over the phone or via email unless you initiated the contact with that provider.

Your professional insurance agent can guide you toward an excellent choice for group health insurance plans in Miami. You can support her efforts by making some prudent choices of your own.

Health Insurance Coverage For Groups

Health insurance coverage for groups is very important for those who are not able to be covered by a group policy. Many people who are self employed must find group health insurance. Insurance is important because you never know when you might have an unexpected medical expense that may be caused by illness, disease or by an unforeseen accident. There are several group health insurance plans available and you will want to speak with several insurance agents to find the policy that will work best for you and your family as well as your budget.
Group health insurance can vary dramatically in price depending on the type of insurance that is provided, the deductibles and the type of physicians that are listed in your policy as well as the services that are covered in your policy. If you choose a policy that covers medical, dental and vision on a comprehensive level then you will certainly pay a higher premium then if you simply covered medical expenses on your policy.
Even if you are in great health, it is advisable to seek some type of health insurance even if you choose a low premium with very high deductibles. Then if you had a catastrophic illness or medical emergency, you would not be left with the medical bills that could cause you to have to bankrupt or have major financial loss. Start by finding a reputable company that knows a lot about health plans for groups and get several quotes from other qualified agents so that you can make a wise choice on an insurance provider. Click here to know more.