Frequently Asked Question:

Does my employer’s malpractice policy cover me?

Insurance Type
Related Industries
Healthcare Services
Related Coverages
Medical Malpractice

The Short Answer

Usually, while you’re employed there and acting within your job duties. It typically does not cover moonlighting, volunteer work, or claims filed after you leave.

The Full Answer

Hospitals and large groups often cover employed providers under the organization’s policy. That coverage has limits worth checking:

  • The limits may be shared among every provider on the policy.
  • The organization controls the defense and the decision to settle.
  • Work outside your employment, including telehealth side jobs, isn’t covered.
  • Coverage after you leave depends on who pays for tail.

Ask for a certificate of insurance and your contract’s tail provision. If either is unclear, an individual policy may be worth it.

Related Questions

If you’re covered under an employer’s policy, you may not need one. Many NPs and PAs buy an individual policy anyway for coverage outside work and protection the employer’s policy doesn’t give.

Only a few states require it by statute. In practice, nearly every hospital, health system and many payers require it before you can work or bill.

It depends mostly on your specialty and state. High-risk surgical specialties pay many times what primary care or psychiatry pays, and rates in some states run far above others.

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