🩺 Professional Liability Insurance for Healthcare Professionals

📋 Coverage Details

✅ Why You Need This Coverage

Most healthcare professionals assume their employer's malpractice policy fully protects them. It often doesn't — employer policies can exclude side work, moonlighting, volunteer clinics, or leave you personally exposed if your employer's carrier denies a claim. An individual policy follows you, not your workplace, and covers legal defense costs even if a claim is groundless.

🛡️ Legal Defense Costs

Even a groundless claim can cost tens of thousands of dollars to defend. Your policy pays for attorney fees, court costs, and settlement or judgment amounts up to your policy limit — separate from and in addition to any employer coverage.

📋 License Board Defense

Many policies include coverage for state licensing board investigations and hearings — a separate and often more immediate threat to your career than a malpractice lawsuit itself.

💼 Coverage That Follows You

Change jobs, pick up per-diem shifts, or start a side practice — an individual policy isn't tied to one employer. It travels with you across facilities, contracts, and career moves.

🏥 Fills Employer Gaps

Employer policies often name the facility as the primary insured, and can deny coverage for acts your employer deems outside your job duties. Your own policy protects your interests specifically, not the facility's.