While many employers in the medical field have malpractice policies that extend coverage to their employees, not all providers receive the same amount of protection. Providers should check with their employer to find out how well employees are protected, and then providers can work with an insurance agent to purchase their own policy if they want more protection.
Additionally, providers should be aware of what claims an employer’s policy may or may not cover. Provider-sponsored policies commonly only cover care that’s rendered within the scope of employment, and they typically won’t extend protection to side work or charitable endeavors. Any additional paid-for or pro-bono care that’s rendered generally should be covered by another malpractice policy, which may be offered by another organization or purchased by an individual.
Premiums for medical malpractice policies are substantial, especially when purchasing professional liability insurance for doctors. The policies may provide a lot of protection, however, and premiums are normally affordable for a medical provider or practice.
For an accurate idea of how much a policy would cost, providers and practices can talk with an independent insurance agent. Independent agents are able to compare policies from several insurers in Vermont, thus showing what different policies would cost in a given situation.
For help finding medical malpractice insurance in Vermont, contact Paige & Campbell Insurance. Our independent agents have worked with many providers in the state, and we’ll help make sure you’re well covered.
Barre
P.O. Box 469
297 North Main Street
Barre, VT 05641
(802) 476-6631
Bradford
P.O. Box 392
25 North Main Street
Bradford, VT
(802) 222-5222
Waitsfield
5197 Main Street, Suite 3
Waitsfield, VT 05673
(802) 496-3118
Mike Bancroft is simply an amazing agent. When my business got burglarized, I was so upset and didn't know what to do. I contacted Mike and he was very prompt in calling me back and he put my mind at ease. He made me feel so much better and handled all of the paperwork immediately. His customer service is top notch and I highly recommend him to be your insurance agent!