Healthcare Facilities

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The term, "HEALTHCARE FACILITY" now includes a tremendously broad range of service organizations and facilities, including:

	Hospitals
	Community Health Centers
	Clinics
	Medical Testing Laboratories
	Ambulatory Surgery Centers (freestanding or hospital based)
	Industrial Medicine (on-site or off-site)
	Urgent Care Centers
	MRI Centers
	Dialysis Centers
	Mental Health Centers
	Alcohol & Substance Abuse Rehab Facilities
	Home Healthcare Agencies
	Long-Term Care Facilities, including Nursing Homes

In the case of today's healthcare facilities, proper insurance coverage is needed for a variety of potential exposures, including:

	Professional Liability, covering not only the facility itself ("entity coverage") but often the employed professionals (physicians, nurses, lab techs, etc.)
	Comprehensive General Liability
	Automobile Liability (whether Owned, Non-Owned, and/or Hired)
	Employee Benefits Liability
	Pollution Legal Liability, to cover medical waste disposal
	Directors & Officers ("D&O") Liability
	Employment Practices ("EPL") Liability

In addition to the liability issues, properly insuring a healthcare facility should also include a variety of property exposures, such as:

	Building (if owned)
	Contents (furniture, fixtures, etc.)
	Business Interruption
	EDP Equipment & Data
	Boiler & Machinery ("Equipment Breakdown")
	Specialized Inland Marine coverage for high value medical equipment, such as MRI & X-Ray machines, etc.

We work with a number of reputable, highly-rated insurance carriers, and we have been very successful in designing comprehensive and cost-effective insurance programs for all types of healthcare facilities, both large and small.

Sometimes a facility suddenly finds itself with a non-renewal notice from their insurer, due to a sudden spike in claims activity. We have the resources and the expertise to assist in these situations. Not only can we work on replacing the coverage, but we can also help the owner and/or administrator in putting together a loss-prevention program to bring the claims activity under control.

Finally, in some instances a facility may wish to consider some degree of "Alternative Risk Transfer" program, which can include:

	Self-Insured, with Stop-Loss coverage
	Captives, including "Rent-A-Captive" programs
	Risk Retention Groups
	Risk Purchasing Groups

Obviously, the subject of insurance coverage for healthcare facilities is tremendously complex – which is one of the reasons I enjoy it! I could probably keep writing for another two hours, and still leave issues unanswered.

I would be happy to discuss your particular situation in greater detail. Why don't you give me a call at 877-320-4061. This number is available 24-hours a day, and it will automatically try to find me, and will connect you to me if I am available. If I cannot take your call, you will have an opportunity to leave a private voicemail message, and will get back to you promptly. Of course, I can always be reached via e-mail at, insurance@swicker.com.

Thank you for taking the time to visit my website, and I do look forward to speaking with you soon.

Bruce R. Swicker