EMT Liability Insurance



EMT Liability Insurance

EMT Liability Insurance


Why do I need insurance?

In every business that provides services or a product, there is always the chance that the company is going to be sued.  This includes:

  • Injury to property
  • Damage to property
  • Injury on the premises 
  • Giving an inaccurate diagnosis to a patient

People are quick to sue these days. Now, if there is just cause, fine, but you need to cover yourself or you could find yourself out of business.


So what is malpractice insurance?

Malpractice liability insurance is a bit more specific than regular liability insurance.  When you hear the term malpractice, you get thoughts of surgeons botching major operations and doctors giving bad advice.


Is it just for doctors?

The medical profession is what we think of when it comes to malpractice, but it is also very common for:

  • Home Care professionals
  • Alternative medicine professionals
  • Dentist
  • Attorneys 
  • Schools - This covers suits filed for injuries sustained by students while under the care of a teacher
  • Suits filed against a company for employment discrimination!

There are so many different things that constitute malpractice. This type of insurance is becoming needed by more and more types of businesses.

What is the standard cost? What are the limits of coverage?

Usually, you choose a policy that covers you for a certain amount of money per incident.  You might be covered for $75,000 per incident for up to three times a year for a total of $225,000.  It is usually shown on a policy as 75,000/225,000.  In order to know how much coverage you should get you need to:

  • Understand your risk 
  • Be educated about what the insurance will do for you 
  • How high the costs can get

Usually, if you use your malpractice liability insurance three times in a year, it is most likely going to cost you much more the next year.  Just like other insurance, if you use it more, you will pay a higher premium. It is the way insurance companies have protected themselves for years.

This type of insurance is expensive, but it is worth it for the peace of mind and is a must in certain professions.


How do I pay for it?

You can pay on a:

  • Monthly
  • Quarterly
  • Semi-annually
  • Annually

Although this type of insurance is quite expensive, it is worth it for the peace of mind it gives when you go to work every day.



EMT Liability Insurance


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