Choose who assumes the risk with idemnity insurance? patient, employer or the insurance company

The main purpose of indemnity insurance is so that you can choose your own plan, make your own choices and usually protects you from having to take any liability or loss. It's usually the insurance company. 

Stand or kneel behind the child and wrap your arms around his or her waist. locate the navel with one or two fingers in the middle of the child’s abdomen. just above the navel and well below the lower tip of the breastbone