Guest ERCat Posted October 23, 2015 Share Posted October 23, 2015 I accepted a part-time gig at a rehab. During the interview I asked what kind of malpractice insurance is provided and I was told occurrence. I also asked a woman in human resources who told me the same thing. Having good malpractice is very important to me as a new grad. I accepted the job thinking it was a occurrence policy. Like the smart PA that I am, today I asked for a copy of the policy. I noticed that it is an umbrella liability policy that covers the entire rehab. It said a current liability coverage for professional commercial… Which is not medical… then a spot below that that said umbrella liability occurrence… That again I assume covers the entire organization, from therapists to cafeteria workers. And then at the very bottom it specifically says "healthcare professional liability claims made." So from my understanding, it seems like those who are covered under the umbrella in the occurrence policy are everyone but the healthcare professionals, who have claims made coverage only. I admit that I am a little pissed about this. I realize that having to purchase tail coverage is a fact of life, but I would have definitely taken this into consideration when negotiating an hourly rate or even taking the job at all… Because tail coverage can be an enormous expense as you are well know. Thousands of dollars for each of the three years after you leave, correct? What should I do at this point? I don't know if I am being a diva but I almost would need to have a much higher hourly rate or ask that the employer pays for my own separate policy. I just don't know how much bargaining I have as a part timer. Link to comment Share on other sites More sharing options...
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