• Skip to main content
  • Skip to primary sidebar
  • Skip to footer

ABOUT US RESOURCES TESTIMONIALS BLOG CONTACT US

  • Home
  • About Us
  • Find Your State
  • Find Your Specialty
  • Choose a Facility
  • Resources
  • Testimonials
  • Blog
  • Contact Us
  • Request A Quote

Medical Malpractice Insurance for NPs, PAs, CRNAs, and Other Ancillary Healthcare Providers

January 6, 2023

Horizontal image of a gloved hands passing a hemostat during surgery

One of the most common questions physicians and their office managers ask is whether their Nurse Practitioners or Physician Assistants are covered by their Medical Malpractice Insurance.  This is a good question to ask because you cannot assume that all policies will cover these mid-level providers, and you need to make sure coverage is in place.  There are several options for coverage, depending on the medical malpractice insurance company and the type of policy you have.

The simplest way to cover an NP or PA is to add them as an Additional Insured on the physician’s policy with a shared liability limit.  This is a very common way to provide coverage, most insurance companies will agree to this, and it usually doesn’t cost an extra premium.  This type of arrangement works well when there is supervision and a good relationship between the doctor and the NP.  However, the downside to it is that there is only one liability limit shared between the doctor and the NP.  In a small practice, it may not be an issue, but if there are multiple providers and a corporation involved, a shared limit isn’t advisable.  And if the NP leaves the practice, there is no tail coverage available to purchase, so the NP or PA may be left wondering what will happen if a medical malpractice claim is filed after their departure.

Another way to accomplish coverage for ancillary healthcare professionals is by adding them as a Named Insured on the policy with a separate limit of liability for each provider.  This is also commonly done, but it typically costs an additional premium.  The advantage to this is that if the NP or PA leaves the practice, they have the opportunity to buy tail coverage.  Make sure that this arrangement is spelled out in the employment contract.  Whose responsibility is it to purchase the tail?  The owner, the supervising physician?  Or the provider themselves?  The tail coverage, no matter who pays for it, gives everyone peace of mind knowing that if a claim arises after that employee has left, it will be covered by the medical malpractice insurance company.

Shouldn’t an NP or PA have their own coverage that they can take with them if they leave the practice?  With the amount of turnover in healthcare these days, requiring employed mid-levels to have their own medical malpractice insurance is a good option to consider.  Typically, NPs and PAs, and other healthcare professionals can get their own occurrence policy for around $2,000, depending on the city and state of practice.  Whether you pay for the policy for them or require they pay it themselves, is up to each practice to decide.  The policy needs to include vicarious liability coverage for the entity or corporation, which is easy to do and shouldn’t cost anything.  The advantage of a separate, independent policy is that when the NP leaves the practice, they can take it with them, and there is no need to buy a tail.  This is especially helpful for practices with a lot of turnovers.  The practice is better protected this way too because they have their own liability limit.

If your practice includes or plans to hire ancillary healthcare providers, make sure they are covered through medical malpractice insurance that protects them, your practice, and your patients.  eQuoteMD can help guide you to the best coverage at the best rate for any specialty in any state.

Filed Under: medical malpractice insurance Tagged With: medical malpractice insurance ancillary healthcare provider, medical malpractice insurance broker near me, medical malpractice insurance for crna, Medical Malpractice Insurance for NP near me, medical malpractice insurance for pa, medical malpractice insurance near me

Primary Sidebar

Calendar

January 2023
M T W T F S S
 1
2345678
9101112131415
16171819202122
23242526272829
3031  
« Dec    

Categories

  • Ask eQuoteMD
  • General
  • Malpractice Insurance
  • Malpractice Insurance Coverage
  • Medical Liability Insurance
  • Medical Malpractice
  • medical malpractice insurance
  • medical malpractice lawsuit
  • tail coverage
  • Uncategorized

Tags

Affordable Medical Malpractice Insurance best malpractice insurance California claims made coverage damage caps defensive medicine equotemd group medical malpractice insurance hipaa HITECH individual medical malpractice insurance judicial legal legislation liability malpractice malpractice insurance Malpractice Insurance Coverage malpractice insurance for doctors Malpractice Insurance near me malpractice insurance quote medical liability insurance medical malpractice medical malpractice coverage medical malpractice insurance medical malpractice insurance broker medical malpractice insurance companies medical malpractice insurance company Medical Malpractice Insurance for Family Medicine Medical Malpractice Insurance provider medical malpractice insurance providers medical malpractice lawsuit medical professional liability insurance news non-economic damages occurrence policy professional medical liability insurance research study tail tail coverage technology tort reform

Footer

eQuoteMD

BLOG

gavel next to a model of teethdental malpractice concept

Malpractice insurance is not just for physicians and nurses. Dentists also require this protection READ MORE

Law gavel stethoscope Health care business rules

When there is a case of patient injury due to medical error, misdiagnosis, professional negligence, READ MORE

Lawsuit form with a stethoscope on a desk

For more than a decade, medical malpractice insurance rates fell year after year from 2006 to 2018 READ MORE

FIND YOUR STATE FIND YOUR SPECIALTY CHOOSE A FACILITY

ABOUT US RESOURCES TESTIMONIALS BLOG CONTACT US

HOME ADA DISCLAIMER PRIVACY POLICY SITEMAP

Copyright © 2023 · eQuoteMD · All Rights Reserved

iHealthspot Medical Website Design and Medical Marketing by iHealthSpot.com

eQuoteMD provides medical malpractice insurance services in all states for all specialties.