Category

Business Insurance

Oct 09

Wisconsin Malpractice Requirements: What Behavioral Health Leaders Should Know

By Business Insurance
Behavioral health organizations in Wisconsin face a coverage question that many other states do not. Chapter 655 and the Injured Patients and Families Compensation Fund set specific rules for certain health care providers. As clinics add psychiatry, nursing and medical services, those rules can start to apply. Understanding Wisconsin malpractice requirements helps leaders avoid compliance gaps and uncovered claims. How Chapter 655 Works Wisconsin's system pairs primary malpractice insurance with a state fund. Providers subject to Chapter 655 must carry at least $1 million per occurrence and $3 million in annual aggregate coverage. Their primary coverage must be certified to…
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Oct 09

Care Coordination Liability: Managing Risk When Partners Share the Work

By Business Insurance
No behavioral health organization can do everything alone. Community clinics rely on hospitals, primary care providers, schools and specialty partners to deliver complete care. That collaboration is a strength. However, it also blurs the lines of responsibility. When something goes wrong between two organizations, care coordination liability determines who answers for it. Often, the answer surprises leaders. Shared Care Means Shared Exposure The CCBHC model depends on coordination. Clinics may deliver some required services through Designated Collaborating Organizations, known as DCOs. Even so, the CCBHC generally remains responsible for the care its patients receive. In other words, outsourcing a service…
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Oct 09

Crisis Services Liability: Protecting Your Team When Every Minute Counts

By Business Insurance
Crisis work is some of the most important care a behavioral health organization provides. It is also some of the riskiest. Clinicians make fast decisions with limited information, often outside the clinic. When outcomes are tragic, families look for answers, and sometimes they look to the courts. For that reason, crisis services liability belongs at the center of any behavioral health risk conversation. Why Crisis Care Carries Unique Risk Crisis programs serve people at their most vulnerable moments. Many patients present with suicidal thoughts, psychosis or intoxication. Some are unknown to the organization. Others arrive through a hotline, a police…
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Oct 09

CCBHC Professional Liability: Why Complexity Matters More Than the Label

By Business Insurance
Community behavioral health organizations are growing fast. New grants fund new programs, and new programs bring new clinicians, locations and patients. That growth serves the community well. However, it also changes the risks your organization carries every day. For leaders moving toward the Certified Community Behavioral Health Clinic model, CCBHC professional liability deserves a fresh look. A policy written for a small outpatient practice rarely fits a 24/7 clinical platform. What Makes a CCBHC Different The CCBHC model turns behavioral health into a coordinated care system. SAMHSA's framework requires clinics to serve anyone seeking mental health or substance use care.…
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Oct 02

Navigating Loan Restrictions and Liability Gaps: Insurance Challenges for Property Owners

By Business Insurance
For property owners, securing insurance has always been about managing risk. However, new challenges, including loan restrictions and liability gaps, are making it harder to obtain the coverage needed to satisfy loan requirements and protect assets. Two key trends are driving concern: stricter Fannie Mae and Freddie Mac insurance requirements and a surge in exclusions for abuse, assault, battery, and firearms.
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Sep 21

Contractual Risk Transfer: Would Your Insurance Program Survive Your Largest Customer Contract?

By Business Insurance
What Big Customers Are Really Asking You to Assume Landing a major retailer, grocery chain, or foodservice account is a milestone worth celebrating. The contract behind that relationship, though, often involves more contractual risk transfer than most processors realize. Indemnification clauses, additional-insured requirements, recall obligations, and chargeback terms can quietly shift substantial risk onto your operation. Few processors compare that language line by line against what their insurance program actually covers. That's exactly where the exposure hides, often for years, until a claim forces the comparison to happen anyway. The Contractual Risk Transfer Gap Hiding in Plain Sight Contractual risk…
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Sep 21

Could You Trace a Contaminated Product in 24 Hours? What the Food Traceability Rule Demands

By Business Insurance
What the Food Traceability Rule Actually Requires The food traceability rule has moved traceability from a best practice to a documented requirement for a wide range of processors. Covered companies must maintain specific records around Critical Tracking Events. Those events span receiving, transformation, and shipping, and the records must be ready to produce quickly when regulators or customers ask. The compliance deadline gets most of the attention. The operational question underneath it matters just as much: if something goes wrong tomorrow, could your team actually answer in time? Most processors assume the answer is yes without ever putting it to…
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Sep 21

Why a Specialized Insurance Advisor Beats a Local Generalist for Food Processors

By Business Insurance
The Hidden Cost of Working With a Generalist Many food processors still choose their insurance broker the way they'd choose a landscaper: someone local, someone known, someone easy to reach. That instinct makes sense for plenty of vendor relationships. It can quietly cost a processor real money and real protection, though, when the broker isn't a specialized insurance advisor who understands food-industry risk in depth. A local generalist may write policies competently and still miss exposures that are specific to processing, packaging, and distributing food. That gap often stays invisible until a claim or a renewal surprise brings it into…
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Sep 20

Product Contamination Insurance: A Faster Path to Recall Protection

By Business Insurance
The Real Cost of a Contamination Event A single contaminated batch can shut down a production line within hours. It can trigger a recall and put your biggest customer relationships at risk just as fast. Retailers and foodservice buyers expect answers immediately. Regulators expect documentation just as quickly. Yet many processors still carry only the coverage their carrier bundled in years ago. Few ever ask whether that coverage matches how a real contamination event actually unfolds. Product contamination insurance closes exactly that gap, and it's worth understanding before you need it, not while you're already in the middle of a…
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Sep 11

Cyber Coverage Helps Protect Your Construction Organization

By Business Insurance
Construction firms have traditionally thought of cyber risk as someone else's problem, a concern for banks, retailers, or tech companies. That assumption is no longer safe. Contractors handle sensitive project data and manage large wire transfers to subcontractors and suppliers. Many now rely on connected project management and building systems as well. Each of those touchpoints is a potential entry point for a cyberattack, and cyber coverage has become an essential part of how a construction organization protects itself. Why Construction Firms Are Now Prime Targets Bad actors target industries where disruption is costly and payment is likely, and construction…
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