Frequently Asked Questions
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Regardless of whether you work in healthcare, insurance, or real estate, you should consider having your own liability insurance policy to protect your interests. Even if your employer provides coverage, here are four important things to consider:
- 1) A fellow employee could submit a claim against you. Your company’s policy may exclude coverage for claims of one employee against another employee.
- 2) If you’ve changed jobs and a claim is filed against you for actions while you were with your previous employer, your prior company’s policy may no longer cover you.
- 3) Your employer’s policy may not cover your lost wages that accrue while you attend legal proceedings.
- 4) If a number of employees are named in the same claim, your employer’s policy may not have adequate limits to protect you and your fellow employees.
Having your own policy can help you feel more comfortable if a claim is filed against you. With your own policy, you’ll have access to your own legal representation, and the resources of the policy aren’t shared among multiple insureds.
- Occurrence policies protect you from any covered incident that occurs during the policy period, regardless of when a claim is filed. You could report a claim years later for an incident that happened during the policy period.
- Claims-made policies protect you from incidents that occur, or allegedly occur, before the expiration of the policy period and after the retroactive date shown on the declarations — but only if the claim is first made against you during the policy period or extended reporting period, if applicable.
- Quote and issuance of a policy are conditioned upon receipt and approval of the following 1) Practice Location; 2) Profession / Specialty; 3) Employment Status; 4) Coverage Type; 5) Hours Worked; and 6) Prior Claims Activity. Final pricing and terms of coverage may vary.