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

Tail coverage, or an extended reporting endorsement, lets a claims-made policy keep responding to claims filed after the policy ends. You need it when you leave a claims-made policy without prior acts coverage from the next carrier.

Claims-made covers claims filed while your policy is active. Occurrence covers incidents that happened during the policy period, even if the claim comes years later.

Yes — restaurants process card payment data through point-of-sale systems daily, and a breach affecting customer payment information typically isn’t covered under general liability, which is why cyber liability is now considered standard for the industry.

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