Comments on: When a doctor works only at a hospital, does the doctor usually have his own medical malpractice insurance?

By: mbrcatz

mbrcatz — Tue, 07 Apr 2009 06:12:26 +0000

If the doctor is an employee of the hospital, they do not have their own coverage. If they are NOT an employee of the hospital, they do have their own coverage.

The hospital has their own malpractice policy, which includes blanket coverage for all employees – so one pool for the whole hospital.

By: debijs

debijs — Sat, 04 Apr 2009 20:28:51 +0000

~~This may vary by state, but in California every physician must carry medical malpractice insurance to keep their license or to be contracted under any insurance company, or to practice in a hospital.

I don’t know exactly how hospitals insure themselves, but an educated guess would be a large liability policy.~~

By: src50

src50 — Sat, 04 Apr 2009 06:01:48 +0000

Likely, the surgeon would carry professional liability insurance and the hospital would carry it’s own separate insurance. Knowing that isn’t going to help you, however. If you have a case against either the doctor or hospital, you’ll have to sue.

By: Amanda

Amanda — Thu, 02 Apr 2009 20:11:36 +0000

My friend’s father is a surgeon, and he carries a $2 million dollar umbrella policy to protect himself from lawsuits. I don’t know whether the hospital provides additional coverage or not.