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Birthing Centers Insurance

birthing center insurance 

Insurance is a critical safeguard for birthing centers, protecting them from the financial and legal vulnerabilities associated with their services. Professional liability insurance provides coverage for claims of negligence or errors during childbirth, while general liability insurance addresses non-medical risks, such as accidents on the premises.

Cyber liability insurance is essential for safeguarding patient records from breaches and ensuring compliance with privacy laws, while property insurance protects facilities and medical equipment from damage or loss.

Many regulatory bodies and healthcare networks require birthing centers to carry specific types of insurance to maintain accreditation and operational compliance. By securing comprehensive insurance coverage, birthing centers can focus on delivering safe, high-quality care to mothers and babies while mitigating potential risks to their practice.

Get a Free Quote Now

The fastest way to find the most suitable insurance coverage for birthing centers is to fill out our quick quote form, so we can give you an idea of the type of insurance coverage that best suits you.

Homewood Insurance works with a number of different carriers to ensure you have the most suitable insurance coverage at the best price.

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Insurance for Birthing Centers can include:

  • Professional liability covers obstetric and neonatal care, labor management, and emergency transfers.
  • General liability protects against third-party injury, slip-and-fall incidents, and property damage on-site.
  • Applies to freestanding birthing centers, midwife-led facilities, and outpatient maternity clinics.
  • Covers physicians, certified nurse-midwives (CNMs), nurses, doulas, and support staff.
  • Limits available up to $1M per claim / $3M aggregate; tail and retroactive coverage available.

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Why do Birthing Centers need Insurance?

Birthing centers need insurance to cover them for the unique set of challenges they face, including:

  1. Medical Liability: Like any medical facility, birthing centers are at risk for malpractice claims. The stakes are high due to the vulnerable nature of both newborns and mothers, making Professional Liability Insurance crucial.

  2. Licensing and Regulatory Compliance: Birthing centers must adhere to a multitude of local, state, and federal regulations, including licensing requirements that can be complex and costly to maintain.

  3. Limited Medical Intervention Capabilities: Unlike hospitals, many birthing centers are not equipped to perform surgical interventions, making quick patient transfers essential in emergencies. This introduces additional liability.

  4. Staffing Concerns: The qualifications and experience of the healthcare providers, which may include nurse-midwives, obstetricians, and other support staff, can vary and introduce different levels of risk.

  5. Public Perception and Reputational Risk: Because birthing centers are often considered non-traditional, they may face skepticism from the public or medical community, heightening the importance of maintaining a strong reputation.

  6. Facility Risks: The physical property, including specialized birthing suites, medical equipment, and other assets, needs protection against damage or loss.

  7. Patient Data and Privacy: Compliance with data protection regulations like HIPAA is essential, necessitating strong cyber liability coverage

While many carriers will not insure birthing centers, Homewood Insurance Group works with carriers who offer specialized coverage tailored to the unique needs of birthing centers. Click here for a quick quote.

MedPro Group
Core Specialty
CNA Logo
Travelers Insurance
CFC Underwriting
Applied Underwriters
Tokyo Marine Insurance Group
crum-forster-bw
AIG Insurance
Ironshore
Strategic Comp
MagMutual
Genstar
Beazley
Empro Insurance
Great American Insurance
Skyward Specialty Insurance
Hudson Insurance Group
Huntersure Insurance
MIG Insurance
Kinsale Insurance

Professional Liability Coverage Tailored to Birthing Centers can include:

  • Allegations of negligent prenatal care, labor and delivery management, or failure to recognize complications.
  • Protection for neonatal injury claims, such as delayed resuscitation or improper monitoring.
  • Coverage for midwife-led deliveries, obstetrician-assisted births, postpartum care, and lactation services.
  • Defense against claims of failure to transfer to higher care levels, inadequate informed consent, or documentation errors.
  • Applies to physicians, certified nurse-midwives, nurses, birth assistants, and affiliated staff.
  • Optional endorsements for water births, VBAC deliveries, or complementary services such as lactation consulting and prenatal classes.

General Liability Coverage Tailored to Birthing Centers can include:

  • Third-party bodily injury claims, such as slip-and-fall incidents in waiting areas, family visitor injuries, or hazards in birthing suites.
  • Personal and advertising injury coverage for claims involving defamation, marketing disputes, or privacy violations not tied to PHI.
  • Meets lease, accreditation, and licensing requirements for freestanding birthing facilities
  • Standard limits are $1,000,000 per occurrence / $3,000,000 aggregate, with options for umbrella coverage, tail protection, and prior acts coverage to ensure compliance with state regulations and obstetric risk management standards.

What types of Insurance do Birthing Centers need?

 
General Liability Insurance

General Liability Insurance

General Liability covers medical expenses and attorney fees which result from bodily injuries and property damage that your facility or organization could be legally responsible for.
 
 
Professional Liability Insurance

Professional Liability Insurance

Also known as malpractice insurance, this  protects facilities against claims related to malpractice, negligence, or injury resulting from resident care. Staff members will typically be covered by professional liability insurance.
 
 
sexual-molestation

Sexual Abuse and Molestation Insurance

Provides coverage for your birthing center against claims arising from alleged sexual misconduct or molestation by an employee or other representative of your organization. Essential for the senior living industry.
 
 
Commercial Property Insurance

Commercial Property Insurance

This protects your facility against damage or loss to your buildings, equipment, and other property, which can happen as the result of various risks such as fire, theft, or vandalism.
 
 
workers compensation insurance

Workers Compensation Insurance

Workers Compensation Insurance is usually mandated by law. It protects birthing centers and employees in case of work-related injuries or illnesses.
 
 
Cyber Liability Insurance

Cyber Liability Insurance

Covers you against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online system to fix vulnerabilities as part of this policy.
 

Speak with an Insurance Professional

Call 947-274-3093 or
Fill Out the Form

Ralph Schiller

Ralph Schiller

Ralph specializes in sourcing the most suitable insurance for Birthing Centers at the best price. You can call him or fill out the form and he will get your message directly.