Medical malpractice coverage is necessary for healthcare professionals, especially certified registered nurse anesthetists (CRNAs), but what about supplemental liability coverage? Below, we’ll explain the basics of supplemental liability coverage and why CRNAs need it.
What Is Supplemental Liability Coverage?
Before we get into why CRNAs need it, what exactly is supplemental liability coverage? Supplemental liability coverage is when a CRNA holds individual malpractice coverage separate from the insurance provided by their employer.
Most CRNAs and medical professionals have group medical malpractice insurance where all the personnel who practice within the employer’s facility, like a hospital, are covered by one policy. But more and more medical personnel and CRNAs are getting supplemental liability coverage along with their employer insurance. Why?
Why CRNAs Need Supplemental Coverage:
Independence From Employer
One of the primary reasons for getting supplemental liability coverage is that it gives the individual a degree of independence and freedom from their employer. Instead of being attached to a group policy that keeps them at their job, CRNAs can take their supplemental policy with them should they decide to work elsewhere.
It also gives CRNAs more control over their reputation by being more involved in the claims process. Some may be surprised to hear that it’s not uncommon for a CRNA or other professional to not even know they had a malpractice claim against them until they attempt to work elsewhere. With supplemental CRNA medical malpractice insurance, professionals can earn more independence and greater control of their coverage and reputation.
As we discussed, when a CRNA is only covered by group insurance, they’re much less involved in the claims process. Another reason to attain supplemental liability coverage is that it guarantees direct representation of the CRNA in the proceedings.
Unless the claim goes to a jury trial—which rarely happens—malpractice claims can be addressed and settled with little to no input from the CRNA or defendant. A separate policy ensures that the CRNA will have someone present specifically looking out for their interests.
Often, individual employees like CRNAs and others part of a group policy aren’t even sure what coverage they have or what they’re covered for. Finding out the details of a group policy can be a hassle for an individual as they have to go through human resources instead of directly dealing with the insurance provider.
With supplemental liability coverage, CRNAs can better understand their coverage and fill any gaps they feel are necessary for their coverage. Supplemental coverage offers complete coverage and peace of mind for individuals.