Employed CRNA Toolkit
The Importance of Supplemental Malpractice Insurance
Questions You Should Ask Your Employer
For CRNAs who rely solely on the malpractice insurance provided by their employer or facility, the information below will help you understand why it’s important to get answers to the following questions:
- Are you provided with your own separate limits of liability or are you sharing limits of liability with everyone else insured under your employer’s policy?
- What happens if there is a claim?
- If there is a claim, will you, your interests and your professional reputation be protected?
- Will you have any say in how the claim is settled or what’s reported to the National Practitioner Data Bank?
- What happens if you’re sued for something that occurred when you were working for a previous employer?
- What’s not covered by your employer’s policy?
- Should you have a policy of your own to supplement the coverage provided by your employer?
FAQs: Supplemental Malpractice Insurance for CRNAs Employed by Hospitals or Groups
Developed with the input from our members, AANA Insurance Services has designed the first malpractice policy of its kind to supplement the coverage provided by your employer or facility. Not only does this policy provide you with your own attorney and unlimited defense costs, no settlement can be paid out under this policy without your consent. The policy even provides coverage for licensing board or regulatory issues.
2. My husband and I are both CRNAs. We work for the same company, and both of us are covered on its group malpractice policy. We recently purchased policies from AANA Insurance Services to supplement the malpractice coverage provided by our employer. I receive a W-2 from our employer but my husband receives a 1099. Does his 1099 status disqualify him from being able to purchase the supplemental policy?
The answer is no. Employment status is not an eligibility factor for the supplemental malpractice policy. As long as the employer or facility provides you with malpractice coverage, you are eligible to buy the supplemental policy from AANA Insurance Services.
Additional Supplemental Insurance Resources
Highlights of a Policy Designed Specifically for CRNAs Employed by Hospitals or Groups
Supplemental Malpractice Insurance for CRNAs Employed by Hospitals or Groups is a policy designed to protect you, your interests, and your professional reputation. The policy highlights below refer to this supplemental malpractice insurance policy.
- Occurrence coverage: No need to ever buy a tail
- An attorney to represent your interests if you have a claim
- Unlimited defense costs (investigation, attorney's fees, expert witness fees, etc.)
- No claim settlements without your consent (subject to policy terms)
- Administrative/disciplinary hearings coverage
- Deposition representation coverage
- Information privacy (HIPAA) coverage
- Defendant expense coverage
- Portability: You can take the policy from job to job
- Affordable premiums
Checklist for CRNAs Employed by Hospitals or Groups
Outlined below is a checklist that every CRNA, whose employer or facility provides their malpractice insurance, should complete.
Does the malpractice insurance provided by your employer:
- Supply you with written verification of the coverage you're being provided?
- Apply to you by name in the policy?
- Have a separate limit of liability for you so that coverage cannot be used up by claims against others covered by the same policy?
- Provide legal counsel representing your interests about who is at fault, even when that's in conflict with your employer's allegations?
- Respond to all types of work you are performing for your employer (that is, do you know if there are any exclusions of procedures or functions in the policy that might apply to you)?
- Include a written agreement from your employer that extended reporting or tail coverage must be maintained on your behalf at your employer's expense after you leave your job (and your rights to obtaining evidence each year that this coverage is maintained)?
- Advise you of settlement offers to those suing you before they are made?
- Advise you of the final disposition of any claims against you so you know what will be reported to the National Practitioner Data Bank (NPDB)?
- Reimburse you for loss of income when you are required to attend a trial or participate in pretrial meetings (remember you can be sued in the future and may no longer be working for your current employer)?
- Respond to volunteer or moonlighting activities outside of your principal workplace?
- Provide legal counsel for depositions you are required to attend even if you are not named in the lawsuit?
- Reimburse you for costs of legal representation for licensure and/or administrative reviews?
If you answered "no" to any of the above, you may have exposures not covered by your employer’s insurance.