Healthcare professionals are often at risk of being sued for negligence, malpractice and other errors resulting from providing care to patients. Insurance purchased from a Healthcare Professional Service Organization (hpso) provides professional liability coverage for individuals, businesses, medical practices and schools within the healthcare industry.
Anytime that a professional doctor, nurse or practitioner receives a notice of an investigation, or a subpoena for a deposition in a colleague’s case, they will need insurance to help pay the cost of defense, plus other related costs. This could be the result of an allegation of sexual harassment or sexual impropriety, a complaint arising from a breach of medical records confidentiality or a Health Insurance Portability and Accountability Act (HIPAA) privacy complaint, or any other administrative type of action.
Insurance is your best line of defense
It is prudent for everyone in the healthcare profession to carry hpso insurance that will help to cover any investigation, complaint or administrative hearing that might be filed or opened against their license. Coverage is generally not provided by an employer, which is often mistakenly believed to be the case. You might ask your employer for a statement in writing that your legal defense costs will be paid by the company for any matters of this nature occurring during your employment just as a safeguard.
It’s important to obtain the best possible insurance and to speak to a lawyer that deals specifically with healthcare providers and can let you know what to expect in the event that a claim is filed against you. Reputations can be at stake, and you could be at risk of losing your license to practice medicine if you lose your case in a court of law.
The consequences can be dire for every individual working in this sector. The same rules apply to pharmacists, anyone that owns a pharmacy, is a massage therapist, owns an assisted living facility, or is a mental health counselor or social worker, or any one of the many other types of health care professionals requiring hpso insurance coverage. Don’t let a false accusation cost you your livelihood. You need to be protected and you can be with hpso coverage for the health services industry.