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Responsibility insurance against emerging infectious risks
A coverage dedicated to emerging viral risks, to protect you from the early stages of a health crisis.
How to prepare for the emergence of a new viral risk?
Healthcare facilities are now operating in an environment where health risks have taken on a new dimension. The COVID-19 crisis has shown that an emerging virus can, in the space of a few weeks, disrupt the organisation of care, compromise patient safety and place significant demands on the responsibilities of healthcare facility managers.
During this period, many structures had to manage unprecedented situations: temporary lack of protective equipment, constantly evolving health protocols, influx of patients, and increasing concerns of families. While few claims ultimately succeeded, the pandemic has highlighted a reality: establishments can be exposed to claims even if they have not committed any fault.
Today, the threat is no longer limited to COVID-19. New viruses are appearing regularly around the world and healthcare facilities remain on the front line. This evolution requires leaders to rethink their risk management strategy and anticipate scenarios that, just a few years ago, seemed exceptional.
In this context, the question is no longer whether a new health crisis will occur, but how to prepare for it.
When traditional guarantees reach their limits
The French system already provides for mechanisms to cover certain health risks. Hospital-acquired infections, for example, are subject to a specific compensation framework. Similarly, above certain levels of disability, the ONIAM may intervene on the basis of national solidarity.
However, a grey area remains when a care home is faced with the emergence of a new virus.
Let us imagine that a recently identified virus affects several residents of a care home. Some develop serious complications and their relatives hold the care home responsible. Even if all preventive measures have been followed and no fault is found, the care home must deal with legal proceedings, legal claims and the risk of reputational damage.
In such situations, traditional insurance cover does not always address the specific nature of the risk. Known and recurring illnesses, such as flu or established systemic viruses, are generally identified and factored into insurance models. New viruses, on the other hand, represent an emerging risk that is more complex to assess and is often less well covered.
For leaders, this lack of a dedicated response creates significant uncertainty, both financially and legally.
Our response: a unique solution to protect your establishment
To address this new reality, we have developed an insurance solution specifically designed for risks related to emerging viruses.
This offer comes into play when a new virus causes several cases within an establishment in the same time and place context. It covers the civil liability of the head of the establishment towards third parties and beneficiaries when claims are made following contaminations linked to this new pathogenic agent.
Our solution focuses exclusively on newly identified viruses. Nosocomial infections already covered by existing mechanisms, as well as known or recurrent diseases, are not concerned. This approach allows us to target precisely the emerging risks that can destabilize healthcare organizations.
The product is based on a risk management logic. When a virus becomes an officially recognized and widely spread pandemic, the guarantee no longer covers this specific risk. This mechanism allows to maintain the innovative and sustainable nature of the coverage while ensuring its insurance relevance.
Designed with the expertise of MCI, a Lloyd's syndicate specializing in medical risks, this solution meets the expectations of establishments facing increasingly complex health threats.
A new way of approaching health risk
Unprecedented protection against new health risks
Traditional insurance solutions have been designed to address known risks. Our offer goes further by providing a dedicated response to emerging viruses, often not covered by traditional guarantees.A blanket designed for healthcare facilities.
Nursing homes, private clinics, specialized centers or hospitals: each structure faces different challenges depending on its activity, its organizational mode and the profile of its population. For example, a nursing home accommodating elderly people may be more exposed to the consequences of a cluster than an outpatient care facility where patients only stay for a few hours.Securing the accountability of leaders
When a major health event occurs, leaders are on the front line. Our solution helps protect their civil liability against claims that may be brought by patients, their relatives, or other parties involved.A recognized expertise in the medical market.
The product benefits from the international expertise of the Lloyd's market and medical risk specialists capable of understanding the specific challenges of the healthcare sector.
Reinventing protection against emerging viral risks
Health crises have shown that healthcare organisations must contend with unprecedented, rapidly evolving and sometimes unpredictable threats. In a context where new viruses can emerge at any time, having dedicated protection is becoming a genuine strategic priority.
With our Emerging Viral Risks insurance, you benefit from an innovative solution designed to support healthcare organisation leaders in tackling the health challenges of tomorrow, providing them with the security and peace of mind they need to focus on their core mission: to protect and care for patients.
The leaders of nursing homes, clinics, and healthcare facilities make complex decisions daily to protect their patients and teams. In the event of a health crisis related to a new virus, some exceptional measures may be contested afterwards by patients or their loved ones. Our solution helps you deal with these situations by securing the financial impact of a potential lawsuit.
