Who is Covered by Incidental Medical Malpractice Coverage
You Need Incidental Medical Malpractice Coverage
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 in connection with these services
• The furnishing or dispensing of drugs or medical, dental or surgical supplies or appliances
The coverage does not apply to:
• 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.
• Injury caused by any indemnitee if such indemnitee is engaged in the business or occupation of providing professional medical services.
Incidental medical malpractice insurance is designed to cover organizations outside the health care industry that have a medical exposure for operations that are not the major function of their organization. If you employ a school nurse, athletic trainer or other first aid provider, 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 on a daily basis that have a variety of medical needs. Incidental medical malpractice coverage can protect your facility from this exposure.