I was wondering if someone could please tell me how to get Malpractice Insurance? I am going to be trying to attend college this spring for EMT-Basic course that says I have to have it. But I dont understand espically since I am a college student trying to become an EMT or Paramedic.
2006-11-08 08:21:08 · 3 answers · asked by wildflower2411478 2 in Business & Finance ➔ Insurance
Contact an independent agent such as a Natiowide agent. If they can't write it with their "standard" companies, ask them for a quote throught a wholesaler. You may be able to get a quote with a national association relating to EMTs. Ask others who are EMTs or the instructors. They should have an idea of where other students have gotten their insurance.
2006-11-08 11:45:31 · answer #1 · answered by #2 in the oven 6 · 0⤊ 1⤋
Malpractice Insurance is a commercial lines coverage.
It would cover you if, as an EMT, you were responding to provide care to somebody and at some point an error occurred in the person's care that led to an injury.
As sad as it sounds, people who believe they are somehow not made better when they have an accident or are sick....instead of being grateful at the fact that they were cared for instead of left to die.....actually sue the providers of care, including EMTs.
This kind of suit is fueled by greedy personal injury lawyers who care nothing about fixing any potential 'flaws' in the system, but are intent to make as much money as possible....for themselves.
The courts are filled with such frivilous lawsuits against EMTs and you'd be wise to contact a commercial insurance agent and ask about malpractice coverage.
For an EMT, I wouldn't think the premiums would be nearly as high as for an EMT.
Depending on who you work for (public entity vs. private ambulance service), the limits of liability are different. Usually those who work for a public ambulance service sometimes have liability caps which keeps premiums down.
2006-11-08 08:35:54 · answer #2 · answered by markmywordz 5 · 0⤊ 0⤋
I have never heard of a training program in ANY health professional program that doesn't cover it's own students. You should check with your clinical instructor, you will undoubtedly find that there is a policy in place for the students.
2006-11-08 08:25:29 · answer #3 · answered by mebbe_sew_mebbe_knot 1 · 0⤊ 0⤋