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 Locum Tenens: Malpractice Insurance

Surprisingly few physicians pay attention to malpractice insurance coverage when working on a locum tenens basis—after all, every major staffing firm supplies malpractice coverage through a reputable carrier. But any reluctance to examine locum tenens malpractice coverage could cost you millions of dollars.

Claims made policies cover physicians during a specified contract period unless "tail coverage" is purchased, extending the policy. Fortunately, reputable firms are diligent in the maintenance of malpractice policies. Due to the malpractice "crisis," however, physicians should ask about a firm's malpractice carrier, their coverage limits, admitted states and A.M. Best rating.

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