Nursing homes are fraught with situations where injuries, often unintentional, can cause severe pain and require lengthy rehabilitation. They need liability insurance for nursing homes for mistakes made by, attendants and nurses, in regards to the services they perform for their residents. This valuable coverage will cover medical costs, and any settlements for lawsuits brought against them. Here are just a few types of claims normally associated with this industry that a professional liability policy will cover when added to other assisted living insurance policies.


Accidental injuries are quite common


Many patients will need assistance getting in and of their bed, and quite a few of them might also be confined to a wheelchair. While lifting a patient multiple times a day, accidents can happen, even though a patient may be in the care of the most caring and cautious staff members. An event of this type can spur lawsuits against a nursing home or assisted living facility, and owners must realize that they can occur at any time.


Medication errors can be fatal in some cases


Nurses at assisted living facilities and nursing homes usually have several patients that they care for daily, so there are concerns when it comes to dispensing of medication. Each patient will more than likely require different medications, and at different dosages. If the wrong medicine or wrong dosage is accidentally given to a patient, the results can often be disastrous.


As unfortunate as it may be, these sorts of mistakes happen often. For example, recently a staff member at a nursing home mistakenly gave an Alzheimer’s patient drugs for her central nervous system and heart, causing her blood pressure to drop, resulting in the patient dying in a matter of days.


Illnesses can occur from eating tainted food


Older adults are usually more susceptible to food poisoning because of their weakened immune systems. Food poisoning can, in many instances, also lead to dehydration and cause the development of pressure sores. This is why it is so important to make sure all food is properly stored, labeled and date marked. Staff members should also be aware of any allergies each patient has and prepare food accordingly.


These are common risks and exposures that are best handled by having liability insurance for nursing homes. Speak to an agent about any questions or concerns regarding this important coverage.


photo credit: super_sue cc