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

Generally yes. Workers’ compensation is required in most states once you have employees, and delivery drivers and setup crews face some of the highest injury exposure in a rental business.

Party rental insurance premiums are driven mainly by inventory value, annual rental revenue, delivery operations, and claims history. Liberty prices each program from your operation rather than a flat rate.

Yes, in most cases. Personal auto policies often limit or exclude vehicles used for business, so trucks and trailers that deliver rental inventory generally need commercial auto coverage.

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