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midwife liability insurance

Midwife Liability Insurance

Birth is an exciting, life-changing event, typically full of joy and excitement. But, as with any healthcare, risk exists. When midwives play a role in care, they are at risk, too. Our midwife liability insurance protects your clients working in midwifery, filling gaps in existing coverage.

Your clients already know how challenging it can be to find adequate insurance for professionals working in healthcare. Many insurance companies know the risks and do not want to take on that kind of liability. We take a different approach at Prime Insurance Company, finding flexible, innovative insurance solutions for healthcare providers and other challenging risks, midwives included.

We know that specialty risks are often underinsured, which is why it is so important for your clients to have access to our coverage. Because we offer careful risk management in-house and draw on decades of experience, we know what it takes to provide coverage. We know what kinds of coverage your midwife clients might need and will tailor our policies.

Risks and Midwife Liability Insurance

Negligence or negligent credentials, failures to take appropriate actions and precautions, and even patient or baby criteria impact how well a birth goes. Of course, these are not ideal situations for delivery, but they occur frequently and with dire consequences. There are many ways midwives, their associates, and medical centers employing them face risk and liability.

In Florida, parents planned a lawsuit after their baby, delivered under midwife care, went into cardiac arrest and respiratory failure. He suffered severe brain damage, with his grandmother noting many things were done incorrectly. Medical bills reached over $700,000.

Risks leading to lawsuits and their associated costs can happen even before a child is born. A New Jersey case saw an obstetrician-gynecologist and a midwife sued for failing to notify a woman that she was carrying a fetus with Down syndrome. A $1.7 million settlement resulted from monetary and emotional damages. The midwife paid $500,000 and the medical center employing her paid $200,000.

Births can happen at home, in birth centers or in hospitals. Midwife liability insurance should cover birth at any of these locations, as ours does. No matter where your clients are working, our insurance coverage is made to protect them so they can perform.

Even licensing investigation and disciplinary expenses can greatly impact the success and livelihood of midwives. Excellent midwife liability insurance, like ours, covers incidents like these if the claim is fair.

In situations like these and others in birthing, your clients should be covered for malpractice, VBAC (vaginal birth after cesarean), and professional liability. They may want to add additional or excess coverage on to an existing policy, which works well with Prime Insurance Company. We do not compete with your existing markets, but rather partner with you to bring more value to your clients.

It’s also important for your clients to have this coverage as it may be required by law, by their clients, or by the place in which they practice. That said, the best plan for avoiding claims is mitigating risk in the first place. Our in-house team, staffed by experts in healthcare and the insurance industry, offers risk management advice tailored to your clients. Our recommendations and protocols are based on risk assessments conducted directly with your clients, with you kept in the loop.

Partnering with Prime for Claims Management and More

While we are careful to tailor our risk management to mitigate as many potential claims as possible, some claims are unavoidable. When a claim is fair, we resolve it fairly, getting extraordinary results with our in-house team. Again, our team is made up of only the best, including experienced legal professionals.

We handle all of your client’s claims in-house, early, and proactively. As we do with risk management, we work directly with the client, offering 24/7 assistance to them. Insurance producers receive similar treatment, with regular updates and collaboration as needed. From mediations to legal conferences, we are ready to get results for your clients covered under our midwife liability insurance.

Prime Insurance Company is well known as a top-notch partner for insurance producers. We are invested in your success and the success of your clients. With excellent insurance coverage, strong risk management, and hard work on claims, we are an invaluable asset.

Partner with us for midwife liability insurance using our online application today. For more details, you can also call Prime Insurance Company at 800-257-5590 or email at info@primeis.com. Keep up with Prime online, on FacebookTwitterYouTubeLinkedIn, and Instagram, or visit our website.


rick lindseyAuthored by Rick J. Lindsey, CEO, President, and Chairman of Prime Insurance Company

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. Prime Insurance also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are Prime Insurance can help.

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