Why Your School Needs Medical Malpractice Coverage
When it comes to coverage for your school’s staff, have you included your medical staff as well? If you employ a school nurse, athletic trainer or other first aid providers, then you have a serious exposure for any injuries caused by medical care, or lack thereof. Educational facilities are especially at risk for this type of exposure because they deal with young, active students daily that have a variety of medical needs. Therefore, you should consider incidental medical malpractice coverage for your educational facility.
The main purpose of this coverage is to protect those offering medical services by an entity not engaged primarily in the offering of such services, such as educational facilities. Typically, incidental malpractice liability coverage comes with your standard general liability policy instead of as separate policy coverage. However, it’s important that you read and understand what’s covered and excluded in your policy, as they can vary by state and insurer.
The coverage is included within the “Who Is an Insured” section of the policy. 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.
Who is Covered?
Coverage applies to injury arising out of the rendering of, or failure to render, the following services during the policy period:
- Medical, surgical, dental, X-ray or nursing service/treatment or the furnishing of food or beverages regarding these services
- The furnishing or dispensing of drugs or medical, dental or surgical supplies or appliances
Coverage does not apply to the following:
- Expenses incurred by the insured for first aid given 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.
- An injury caused by any indemnitee if such indemnitee is engaged in the business or occupation of providing professional medical services.
For more information on coverage for your educational facility, chat with a member of the ‘A’ Team.
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