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

Yes — liquor liability requirements are based on whether a business serves alcohol for profit, not which type of alcohol it pours, so beer- and wine-only restaurants carry the same dram shop exposure as a full bar.

Often yes, but only if the illness resulted from an incident rather than an ongoing exclusion in the policy — most standard general liability policies cover bodily injury from a single contaminated batch or ingredient, subject to the policy’s terms.

Liberty does not currently insure inflatable equipment such as bounce houses. Liberty can discuss coverage for the rest of your rental inventory.

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