Moonlighting Malpractice Insurance Options for Healthcare Professionals

Moonlighting can be a great way for healthcare professionals to earn extra income, but it also comes with unique risks. Many states require healthcare professionals to have malpractice insurance that covers them for moonlighting activities.

Some insurance companies offer specialized policies that cater specifically to moonlighting healthcare professionals. For example, a policy may have a higher coverage limit for moonlighting activities than for regular employment.

As a healthcare professional, it's essential to understand the nuances of moonlighting malpractice insurance. This includes knowing which states require additional coverage for moonlighting activities and which insurance companies offer specialized policies.

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Physicians choose MedMal Advisors for assistance in finding the best moonlighting medical malpractice insurance coverage.

They work closely with physicians to collect a firm understanding of their unique employment situations, including those with secondary positions and unusual coverage needs.

This personalized approach helps physicians find tailored insurance solutions that fit their specific needs.

As a physician assistant, you're likely no stranger to moonlighting - taking on extra shifts or jobs to supplement your income and gain more experience. CM&F specializes in moonlighting malpractice insurance for physician assistants, offering comprehensive, portable, and flexible coverage.

CM&F's insurance is tailored to your individual needs, designed to protect your assets, license, and reputation. With over 100,000 healthcare providers across the U.S. trusting CM&F, you can have peace of mind knowing your career is in good hands.

CM&F is one of the country's longest-standing professional liability insurance providers, with a reputation for excellent service, innovative technology, and better coverage. With CM&F, you get 24/7 coverage that's inclusive of any services outlined within your scope of practice.

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Physicians choose MedMal Advisors because they work closely with them to understand their unique employment situations.

MedMal Advisors has a firm understanding of physicians' secondary positions, which helps them tailor the best moonlighting medical malpractice insurance coverage.

Physicians trust MedMal Advisors to assist in finding the best moonlighting medical malpractice insurance coverage.

Their team takes a closer look at physicians' unusual coverage needs, providing a more personalized approach to insurance.

Physicians choose Cunningham Group because they take the time to understand your specific employment situation and approach to patient care. This attention to detail sets them apart from other medical malpractice insurance agencies.

Most agents only have access to one or two medical malpractice insurance companies, but Cunningham Group's almost-universal access lets them shop your coverage among nearly every available company.

Insurance is a vital aspect of moonlighting, and understanding it can be a challenge.

Moonlighters may need to purchase additional insurance coverage to protect themselves and their patients, as their primary insurance may not cover them during off-hours work.

Liability insurance is a common type of insurance moonlighters consider, as it can help protect against medical malpractice claims.

In some cases, moonlighters may be able to piggyback on their primary insurance's coverage, but this is not always the case.

Moonlighters should carefully review their insurance options and consider factors such as coverage limits, deductibles, and policy exclusions.

Insurance premiums can vary depending on factors such as location, specialty, and experience, so it's essential to shop around and compare rates.

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You've got to be aware of the unique considerations when it comes to moonlighting malpractice insurance. Many physicians assume their current policy will cover them, but that's not always the case.

Your current employment contract may prohibit moonlighting, so it's essential to confirm this before taking on extra work. Don't rely on your current policy to cover you - most liability insurance companies will exclude coverage for anything outside your full-time practice.

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Some moonlighting positions require different kinds of policies, and you may need to approach a surplus lines company. This is especially true if you're working in a non-traditional setting, such as a nursing home or medi-spa.

If you're moonlighting outside of your specialty, you'll likely need to provide proof of training to get coverage. This means you'll need to document your qualifications and experience in the new area.

To get the right coverage, provide as much detail as possible about your moonlighting position to your liability agent. This includes the name and address of the position location, your specialty, duties and responsibilities, number of hours per week, and effective coverage date.