Meeting the Demand: Insurance Coverage for Medical Staffing

Visiting Nurse Associations, Healthcare Staffing Firms, and Hospice Care Organizations all understand the unique challenges of providing quality healthcare away from a hospital or other medical facility. Meeting the demand for in-home care means addressing some unique liability challenges. For that reason, specialty insurance helps cover a wide variety of risks. If you are wondering about the specialty insurance definition, consider the following factors.

Where the Care Occurs

Doctors, nurses, and other healthcare professionals who work in hospitals provide care in a controlled environment. There, they have access to medical equipment, medication, and personnel to help them do their jobs. Those who work in a patients home, however, often are by themselves. They also have immediate access only to the limited equipment and medication they brought with them. These unique workplace conditions might expose in-home healthcare providers to legal liability that those in hospitals often can avoid.

Who Provides the Care

Those who treat in-home patients as part of a VNA, healthcare staffing firm, or hospice organization, might be doctors, nurses, therapists, counselors, case managers, or any other type of healthcare professional.

What Protection Is Necessary

The specialty insurance definition is flexible enough to cover the unique risks associated with in-home care. Often, the protection meets the following criteria:

  • Claims-Made or Occurrence Coverage
  • Customizable Policy Limits
  • Inclusive Personnel Coverage

The Benefit of Good Coverage

Defending a medical malpractice lawsuit can be expensive and stressful. With good coverage, those who provide specialty medical care can have the peace of mind they need to do their jobs well.