Analyzing Your Medical Assistant Malpractice Insurance Policy

How Much Does Malpractice Insurance Cost?

How much you pay for your insurance premium depends on your responsibilities, the location of your practice setting and the limits of liability you choose. If your employer insists that you are to be covered under their policy (rider) and you can't afford to purchase your own personal policy, ask the employer for a copy of the certificate of insurance for your analysis.

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Malpractice Insurance Policy Checklist

Here is a checklist of items to use when analyzing your employer’s policy:

1. Are you listed by name on your employer’s policy?
2. Are legal costs included in the limits of liability, or will they be paid in addition to policy limits?
3. If a malpractice claim is filed against you, will this professional liability policy pay legal fees and court costs in addition to your policy limit, even if you are not liable for the charges brought against you?
4. If you decide to change employers and are covered under a claims-made policy, will your former employer be responsible for paying the cost of the tail coverage?
5. Is this policy available in all 50 states? 

If you answered NO to any of these questions, investigate purchasing your own individual policy through one of the many malpractice and professional liability programs available. Read: Phony Malpractice Insurance Scam Warning!

What About Volunteers?

Should you ever decide you want to volunteer, or work at a part-time position, or even do private duty, since many medical assistants also function as home health aides or CNAs in additional to their full-time position, an individual policy covers you while on duty in both positions and under the various circumstances.

If you accept a position and then decide you want to take a position somewhere else, your individual coverage follows you to your new position, even if your previous employer paid the premiums for your coverage. However, realize that your previous employer may request reimbursement!

There even is a way to eliminate gaps in coverage by requesting prior acts coverage. This gives the insured retroactive coverage to cover those events that may have already occurred but have not yet been reported, in other words, it provides coverage for all acts that occurred before the policy was issued! Did you know that???

Remember!
Protect yourself and your future and strive to function within the parameters of your state licensure laws.

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