Insurance for Volunteer & Retired Physicians
Request a quote for volunteer & retired physicians' insurance.
Insurance for Volunteer & Retired Physicians
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We offer customized liability insurance solutions for volunteer and retired physicians. We have worked with medical and healthcare professionals and practitioners who are concerned about liability issues but don’t know where to go for help. Everyone is subject to litigation and we can help you have peace of mind protection knowing your personal liability gaps are covered.
With our in-house claims handling, underwriting, policy services, and risk management, we provide a true, in-depth partnership from the beginning through the entire claims process. When we work together, we can fight the lawyers from taking your hard-earned assets.
Why XINSURANCE?
- We provide you with the security of a legal defense plan designed around your individual risk exposure to protect your personal assets from loss. Did you know that almost half of physicians 55 or older reported in 2022 that they had been sued at some point in their careers?
- We provide the peace of mind that you will be able to afford sufficient legal defense in the event of a personal liability claim
- Partnership approach – we want to protect you the way no other carriers have
- We can find coverage solutions for any other activities you do outside the medical field, to plug all gaps in other policies you may carry
- Free policy review!
QUESTIONS TO CONSIDER
QUESTIONS TO CONSIDER
Q. Do Good Samaritan laws provide protection from legal action, especially in the case of street work or in temporary situations?
A. In general, to qualify for Good Samaritan protection, you must meet three qualifications: there must be a true emergency, aid must be rendered outside a hospital or a place with medical equipment, and care must be voluntary.
Q. Am I protected under federal laws such as The Volunteer Protection Act of 1997?
A. The Volunteer Protection Act of 1997 (VPA) was enacted to provide minimum protections for volunteers. However, volunteers protected by the VPA can still be subject to state laws. Also, the VPA limits the award of punitive damages to those cases in which there is clear and convincing evidence of willful or criminal misconduct or a conscious, flagrant indifference to the rights or safety of the individual harmed.
Q. Are physicians immune from malpractice claims when providing volunteer services?
A. It depends. State and federal laws may provide some protection, and the physician’s current malpractice carrier may also include coverage. Protection from common negligence claims is the most common.
Q. Are there any conditions or limitations on normal liability protection?
A. Both state and federal volunteer immunity laws typically include some conditions that must be met before the law affords any protection against liability. Most only apply to simple negligence. Therefore, a physician volunteer will not be protected for gross or reckless misconduct.
Q. Do I need malpractice insurance after I retire?
A. It depends on where you practice, what age group you serve, the type of medicine or nursing you practice, whether you perform surgery, and whether your patients are or may become incapacitated. It is safe it cover your bases with insurance.
KNOW THE FACTS
In 2016, there were an estimated 953,695 actively licensed physicians in the United States. Approximately 278,839 of them were 60 years of age or older. Source
Although state immunity laws provide some protections for physicians who provide volunteer medical services, they do not guarantee that physicians will not be sued as a result of volunteering their professional services. Source
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