Insurance for Midwives

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Midwives Insurance

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midwife insurance

LIABILITY INSURANCE FOR MIDWIVES, INTERNS, INSTRUCTORS, AND DOULAS

In healthcare, there is no room for error; that is why healthcare professionals need an insurance policy that meets the needs of their business with an all-in-one custom approach. At XINSURANCE, we cover the gaps that current insurance partners might have by providing Independent Midwives Insurance for malpractice, VBAC (vaginal birth after cesarean), professional liability – D&O, commercial general liability, alleged sexual abuse and molestation liability, exclusions on current policy, and excess coverage to healthcare providers and individuals so that they can continue working knowing they are completely covered with a policy that is made for them.

midwife insurance

QUESTIONS TO CONSIDER

QUESTIONS TO CONSIDER

Q. Is malpractice insurance mandatory among CNMs?

A. Depending on the organization or facility the CNM is employed, malpractice insurance may or may not be required. However, many would argue the benefits of carrying additional coverage because employer-paid coverage may not be adequate in covering financial losses, and representation may be lacking in quality.

Q. What are some examples of midwife malpractice?

A. Birth injuries caused by midwives usually result from one of the following: patient criteria, informed consent, negligent credentials, failure to assess the baby’s condition, failure to have in place or follow adequate policies/procedures.

Q. What are some midwife-caused birth injuries?

A. When midwives are negligent, the injuries to babies can be extreme and life-altering, including developmental delays, cerebral palsy, brachial plexus injuries, cephalohematoma birth injuries, stillbirth/death of the baby, postpartum hemorrhage.

KNOW THE FACTS

midwife insurance

According to the American Midwifery Certification Board, as of  August 2017, there were 11,826 CNMs and 101 CMs. Source

midwife insurance

60,000 out-of-hospital births occurred in 2014. 38,000 were home births and 18,000 took place at birth centers. Almost 90 percent of the home births were planned. Source

midwife insurance

CNMs who practice “defensively” can drive healthcare costs up and open the CNM to potentially more malpractice cases because of the complications or side effects of unnecessary tests/procedures. Source

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