This type of medical malpractice insurance is intended for those who have a medical exposure for operations that are inci牙科, but not the major function of their business. Inci牙科 medical malpractice insurance was not designed to protect clinics, hospitals or health care service providers simply because their medical exposure is directly related to their job.

Examples of inci牙科 medical exposures that would be covered by this insurance are nurses or first-aid providers at schools and infirmaries, athletic trainers and counselors. 有一些政策, the coverage can extend to EMTs, 护理人员, ambulance attendants/drivers and firefighters. Specific policies vary greatly depending on provider and state.

History of Inci牙科 医疗 Malpractice

最初, inci牙科 medical malpractice coverage had to be inferred by exception to medical professional liability exclusionary endorsements. This was largely eliminated when inci牙科 medical malpractice insurance was first introduced to standard general liability policies in 1976.

Its purpose is to protect those offering medical services by an entity not engaged primarily in the offering of such services. Coverage can now also be provided in a commercial general liability policy to cover employees such as those implementing first aid to an injured worker.

Current Coverage Standards

Coverage can vary by state and especially by the individual plan you carry. 整体, the latest inci牙科 malpractice liability coverage comes with the standard ISO commercial general liability policy provisions instead of as separate policy coverage.

The coverage is included within the “Who Is An Insured” section of the policy, which is different from the previous exclusion because it only applies to an employee providing or failing to provide professional services. 换句话说, this means that by exception, the coverage applies to the vicarious liability of the employer unless a professional liability endorsement is attached. This endorsement would have to preclude the vicarious liability of an employed professional. 

Inci牙科 medical malpractice insurance is intended for those who have medical exposures that are not major functions of their business, such as first aid providers, athletic trainers or counselors.

谁受保?

Coverage applies to injury arising out of the rendering or of failure to render, during the policy period, 以下服务:

• 医疗, 外科手术, 牙科, X-ray or nursing service/ treatment or the furnishing of food or beverages in connection with these services
• The furnishing or dispensing of drugs or medical, 牙科 or 外科手术 supplies or appliances.

The coverage does not apply to the following:

• Expenses incurred by the insured for first aid to others at the time of the accident.
• The “Supplementary Payments” provision and the “Insured’s Duties in the Event of Occurrence, Claim or Suit” condition. Both are amended accordingly.
• Any insured engaged in the business or occupation of providing professional medical services.
• Injury caused by any indemnitee if such indemnitee is engaged in the business or occupation of providing professional medical services.

和桑福德谈谈 & 泰特姆, An Alera Group Company about inci牙科 medical malpractice coverage today to protect your company, your employees and those you care for. 

This 风险的见解 is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel or an insurance professional for appropriate advice. © 2009-2011 Zywave, Inc. 版权所有.