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    Risk Factors for Sexual Abuse in Healthcare

    Christina Herald / Paul Nash

    The delivery of healthcare services in a range of settings and to different categories of patients can give rise to a variety of risk factors. With most industry sectors seeking coverage for sexual molestation liability, the focus is almost exclusively upon the risk of abuse involving minors. While that is obviously a key consideration for healthcare providers too, they also face arguably the greatest and most complex issues of risk management and abuse prevention involving vulnerable adults under their care and supervision.

    The provision of healthcare usually involves a degree of physical proximity and contact between the caregiver and patient. In the vast majority of cases, this dynamic is handled with the greatest professionalism and sensitivity and within the parameters of informed consent. Sadly, a few individuals in the healthcare industry have exploited such situations to commit abuse. For example, we have seen situations where doctors have produced and retained inappropriate and intimate images of patients under the guise of treatment, or routinely undertaken inappropriate physical examinations.

    Patients can feel doubtful or confused about the circumstances of their treatment, which can be compounded by the modus operandi of the abuser. For example an emergency room doctor at a New York hospital was convicted of sexual assault against four adult female patients who he had sedated. Colleagues may also feel a reluctance to call out behaviors they have witnessed by more experienced and qualified practitioners.  

    Care is also often delivered in small and secluded settings, to afford patients the greatest degree of privacy and dignity possible. Even in the busiest of hospitals, patients and their care providers can frequently interact in isolated environments, where abuse can be perpetrated with a reduced risk of detection. As in other countries, the US healthcare system has an increased emphasis upon care being delivered outside acute and hospital settings. Treatment and care is very often in a patient’s own home, particularly for the management and treatment of chronic conditions. We also see the care and accommodation of the elderly taking place in smaller and less supervised settings, such as their homes. A more dispersed workforce, providing a higher proportion of care remotely and on a one-to-one basis raises concerns about a heightened opportunity for abuse, particularly where a specific individual may be visiting a patient frequently in an isolated environment. Additionally, there is less opportunity in such situations for co-workers to identify problematic behaviour and raise a flag about any concerns.

    The healthcare workforce is also increasingly mobile and there is often greater demand than supply for open positions. In some parts of the healthcare sector, roles can be transient and there is a risk of bad actors moving with deliberate frequency to reduce the risk of their activities or their backgrounds being detected.

    The healthcare industry also needs to be vigilant about the risk of sexual abuse being perpetrated by patients against other patients. The issues outlined above about patients frequently being cared for in small and secluded settings can afford opportunities for abusive conduct and there are challenges in effectively supervising patients in such environments.    

    It is essential for employers in the healthcare space to appropriately screen and train employees and volunteers.  Training should include notice and reporting requirements, as well as red flags to assist in identifying when a patient may be at risk of sexual abuse. This will protect both the patients and the organization from allegations or incidents of sexual abuse and should also contribute to a safer environment in the healthcare industry.

    About the author:

    Christina joined Beazley in June of 2009. She is an underwriter for public company and private company directors and officers liability, employment practices liability, fiduciary liability and Safeguard, Beazley’s sexual misconduct liability offering. She started in Beazley’s New York office and moved to London in 2011 as an Underwriter at Lloyds. She moved back to Atlanta in 2015 as part of Beazley’s regional growth strategy. Christina graduated from Vanderbilt University with a degree in Business and Financial Economics.

    Christina Herald

    About the author:

    Paul joined Beazley in May 2001 as an Employment Practices Liability (EPL) Underwriter. Paul is the EPL product leader for both the UK and US teams. Paul has over 25 years experience in the insurance industry and London market in both claims and underwriting roles. Paul holds a Bachelor of Arts degree and has helped to establish Beazley's EPL team as one of the leaders in the market. Paul is frequently requested as a guest speaker and has presented at conferences including ACI, ExecuSummit, The Defense Research Institute and NAPEO.

    Paul Nash
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