Introduction to the Case Country club managers rely on a variety of employees to ensure their business runs smoothly. From pro shop associates to kitchen staff, club management must delicately balance day-today operations with a staff ranging from full-time, experienced professionals to part-time, seasonal employees. In the story below—based on an actual claim—you’ll see through the eyes of a country club owner as they realize the importance of commercial crime insurance....

Introduction to the Case Home medical equipment (HME) providers fulfill an essential function in getting patients the equipment and supplies they need. Of course, getting the proper equipment to the patient is only part of the puzzle. Patients also need to understand the proper use of the equipment to promote the best outcomes and avoid injury. In the story below—based on an actual claim—you’ll see through the eyes of an HME provider as they try to ensure their patient understands...

Introduction to the Case As the technology for implanted medical devices (such as knee replacements) is continually enhanced, the sales representatives of device manufacturers have come to be seen as an asset to the implanting surgeon—even in the operating room. It makes sense. Often, these reps know more about the specific device than the surgeons themselves. Still, any time someone other than hospital staff attends a surgery—even if it’s to the patient’s benefit—determining...

Introduction to the Case Knee scooters always look like a fun way to travel the road to recovery following an injury. Yet, many may be surprised to know just how frequently claims arise regarding patients who were injured while using one. In the following story—based on an actual claim—you’ll see through the eyes of a provider who finds out firsthand, you never know when a claim might come your way. It’s important to note that while this story involves a knee scooter,...

With cyberattacks becoming increasingly common among businesses in the health care industry, it’s critical to take every conceivable precaution to protect your data. Yet, many businesses are still of the “it’ll never happen to me” mindset. Check out our #RiskyBusiness video for tips on how to protect and prepare your business from a ransomware attack.              In addition, read our real-life claims scenario, where you’ll...

In recent years, dry needling has increasingly been used in physical therapy settings to alleviate pain and increase range of motion for patients. During this procedure, thin needles are pushed through the skin into the muscle at specific trigger points to induce a twitch reflex. It’s generally a safe procedure. However, as with any procedure, there are potential complications. In the story below—based on an actual claim—you’ll see through the eyes of a physical therapist...

Given the hustle and bustle of today’s culture, many of us may find it difficult to keep up with all of the communications we receive, including those that are addressed through the mail. In certain instances, however, missing a piece of mail could be extremely costly to your business. In the scenario below – based on a true story – you’ll walk in the shoes of an owner of a Home Medical Equipment company who sees what can happen if you’re not keeping a close eye on...

At VGM Insurance, there’s no shortage of mystery involved in many of the claims we see. But, we use our experience deciphering these puzzles to provide you with the information and resources you need to better prepare and protect your business. Join us in the scenario below – based on a true story – as you look through the eyes of a physical therapist who sees what can happen when heat therapy doesn’t go as planned. After you’ve read through the account, we’ll...

At VGM Insurance, we’re passionate about providing resources to help you mitigate risk and reduce losses. Below, you’ll find a scenario – based on a true story – that highlights the importance of proper inventory management. As you read through this real-life claims scenario, you’ll take the point of view of a provider in search of a ventilator that’s gone missing after being rented to a patient for a prolonged period of time. Costing thousands of dollars, many...

In a claim situation, proper documentation is key to determining what really happened, who’s liable, and to what extent. Without this vital information, even a straightforward claim situation can become seemingly impossible. Below you will find an example of a claim, based on a true story, that highlights the importance and power of documentation to protect your business. As a claims adjuster, you will re-open this file, “When a Low Air Loss Mattress Loses Air: The Leak and The Lesion”,...