Malpractice Insurance

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Professional Liability and Malpractice

Situations involving injuries or damages that generations ago would have been ignored by the injured person are now regularly the basis for lawsuits. Liability has become a major risk not only for the physician but also for allied healthcare professionals working under their direct supervision, such as the medical assistant. As in any legal proceedings, when a medical malpractice law suit is filed as many people as possible will be named.

One of the most important employment benefits is good professional liability and malpractice insurance! Every medical assistant should be encouraged to make sure they have adequate malpractice insurance coverage when working in a medical office, walk in clinic, or any other treatment facility. However, it is not enough to accept insurance under the employer’s policy as a rider and assume this is adequate protection in case of a lawsuit. Medical assistants should insist on their own personal policy, either through their employer or on their own! The reason for having a working professional liability and malpractice insurance policy is simple: protection and peace of mind.

Regardless whether a medical assistant is covered under the employer’s policy, he or she may still be liable for his or her own negligence and may be responsible for all or part of a plaintiff’s award or settlement. In some cases the employee (the medical assistant) may have to compensate the employer (the doctor) who has paid damages to the claimant.

Carrying Your Own Insurance Coverage Policy

A medical assistant can either assume that liability, that is paying damages awarded to the claimant in case of a lawsuit him or herself, or buy an insurance policy to transfer that risk. Insurance companies accept the transfer of risk in exchange for the payment of premiums. Therefore, whether as a student on externship, or as a professional working under a physician, medical assistants should get their own professional liability and malpractice insurance policy! It is really worth the cost and effort; and actually, considering the consequences of a successful lawsuit by an injured patient, malpractice insurance really doesn't cost that much at all.

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