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.