This isn’t to say that every person and organization in the medical field needs the same amount of medical malpractice coverage. Coverage needs aren’t even necessarily equal among doctors, for a surgeon may need more professional liability insurance than a primary care physician. Almost all medical workers can benefit from some form and amount of coverage, though.
How Much Professional Liability Coverage Do Physicians Need?
When purchasing professional liability insurance for doctors, physicians should at least make sure that they meet the state minimum coverage requirements for their position and work. This may not provide all of the protection that physicians want, however. Should additional coverage be desired, a policy can often be adjusted so that it provides higher limits and more protection.
An insurance agent who specializes in professional liability insurance for doctors will know how to make sure a policy provides at least the minimum required amount of protection, and they can help physicians determine whether more coverage is appropriate to purchase.
Do Medical Workers Receive Medical Malpractice Coverage From Their Employer?
Many medical workers have access to medical malpractice coverage from their employer, but coverage isn’t always sufficient for an individual worker’s situation. There are a few reasons why a worker might need more coverage than their employer provides them with.
First, some employers may not provide coverage for their workers. While this is uncommon, it’s a potential situation to be aware of and check for.
Second, employers may not offer as much coverage as individual workers would like. If the employer chooses a limit that’s lower than what a worker wants, the worker might have some protection but not enough.
Third, employers’ coverage normally only extends to services that are rendered as part of working for the employer. Services that are rendered as a side gig or through a charitable endeavor, for example, likely won’t be covered by an employer’s policy. In these situations, workers should check whether their part-time employer or a charity provides coverage.
Should medical workers need to purchase their own medical malpractice policy, an insurance agent can assist with comparing policy options and choosing one.