What is medical malpractice insurance?

Medical malpractice insurance is a specialized form of professional liability insurance. It protects health care professionals from having to pay potentially large damages out of pocket when they are sued by patients claiming to have been harmed by inadequate, negligent, or incorrect medical care.

Who needs medical malpractice insurance in California?

It’s not only doctors, surgeons, and institutions that need to worry about being sued for medical malpractice. In California, any individually licensed professional in the health care industry can be sued for harm caused to customers by failing to maintain the normal standards of practice. That includes nurses, therapists, pharmacists, and other licensed professionals who provide patient services and care.

In California, do I need my own medical malpractice policy if I’m covered by my employer?

Hospitals, clinics, and group practices typically have umbrella policies covering their employees, but those employees need to have their own individual policies as well. The umbrella policy may not provide enough coverage for a very large award for damages, or it may require employees to reimburse the employer for damages paid due to the employee’s negligence. And, the umbrella policy won’t cover you for any malpractice suit brought by or for patients you treat or advise outside of your regular work hours.