Skip to main content
1.800.383.8283
Library
  • Industries
    • Construction
    • Education
    • Healthcare
    • Manufacturing
    • Moving & Storage
    • Municipal
    • Non-profit
    • Welding Supply & Gas Dist.
  • Events
  • About
    • History
    • News
    • Office Locations
    • Team
    • Culture
    • Contact
    • Careers at Horton Group
  • Services
  • Online Bill Pay
1.800.383.8283
Client Login
Search

Choose a login.

  • Client Logins
    • Business Insurance
    • Employee Benefits
    • Personal Insurance
  • Library
    • Benefits
    • Commercial
    • Personal
    • Safety
    • Thought Leadership
    • Wellness
Home
1.800.383.8283
  • Business Insurance
  • Employee Benefits
  • Consulting Services
  • Personal Insurance
  • Industries
    • Construction
    • Education
    • Healthcare
    • Manufacturing
    • Moving & Storage
    • Municipal
    • Non-profit
    • Welding Supply & Gas Dist.
  • Events
  • About
    • History
    • News
    • Office Locations
    • Team
    • Culture
    • Contact
    • Careers at Horton Group
  • Services
  • Online Bill Pay
  • Library
    • Benefits
    • Commercial
    • Personal
    • Safety
    • Thought Leadership
    • Wellness
      • Population Health Management
  • Client Logins
    • Business Insurance
    • Employee Benefits
    • Personal Insurance
Close Menu
  • Property & Casualty
  • Mergers & Acquisitions
  • Risk Transfer
  • Professional Liability
  • Claims
  • Cyber Liability Insurance
  • Automobile Liability
  • Captives & Alternative Risk
  • International
  • Surety Bond Services
  • Workers Compensation
  • Management Liability
  • ACA/DOL Compliance
  • Core & Voluntary Benefits
  • Executive Benefits
  • FSA / HSA
  • Group Medical
  • International Benefits
  • Private Exchange Technology
  • Retirement Services
  • Stop Loss
  • ThinkHR
  • Zenefits
  • Home Umbrella
  • Life & Health
  • Private Client
  • Speciality Recreation
  • Safety & Loss Control
  • Wellness
‹ Back to Resources

Does Your School Need Incidental Medical Malpractice Coverage?

August 29, 2019 at 3:00 PM
Share

Incidental medical malpractice insurance is designed to cover organizations outside the health care industry that have a medical exposure for operations that are not the major function of their organization. If you employ a school nurse, athletic trainer or other first aid provider, then you have a serious exposure for any injuries caused by medical care, or lack thereof.

Educational facilities are especially at risk for this type of exposure because they deal with young, active students on a daily basis that have a variety of medical needs. Incidental medical malpractice coverage can protect your facility from this exposure.

Evolution of This Coverage

Originally, incidental medical malpractice coverage had to be inferred by exception to medical professional liability exclusionary endorsements. This was largely eliminated when incidental medical malpractice insurance was first introduced to standard general liability policies in 1976.

Its purpose is to protect those offering medical services by an entity not engaged primarily in the offering of such services, such as educational facilities.

About Incidental Medical Malpractice Coverage

Typically, incidental malpractice liability coverage comes with your standard general liability policy instead of as separate policy coverage. However, it is important that you read and understand what is covered and excluded in your particular policy, as they can vary by state and insurer.

The coverage is included within the “Who Is An Insured” section of the policy. This means that by exception, the coverage applies to the vicarious liability of the employer unless a professional liability endorsement is attached. This endorsement would have to preclude the vicarious liability of an employed professional.

Who is Covered?

Coverage applies to injury arising out of the rendering of, or failure to render, the following services during the policy period:

  • Medical, surgical, dental, X-ray or nursing service/ treatment or the furnishing of food or beverages in connection with these services
  • The furnishing or dispensing of drugs or medical, dental or surgical supplies or appliances

Coverage does not apply to the following:

  • Expenses incurred by the insured for first aid given to others at the time of the accident.
  • The “Supplementary Payments” provision and the “Insured’s Duties in the Event of Occurrence, Claim or Suit” condition. Both are amended accordingly.
  • Any insured engaged in the business or occupation of providing professional medical services.
  • Injury caused by any indemnitee if such indemnitee is engaged in the business or occupation of providing professional medical services.

© 2019 Zywave, Inc. All rights reserved.


Material posted on this website is for informational purposes only and does not constitute a legal opinion or medical advice. Contact your legal representative or medical professional for information specific to your needs.

Human Resource, Compliance, and Employee Benefits Focused Events

Interested in sharpening your skills and potentially earning Continuing Education (CE) credits?
Join us for one of our upcoming events:
January

January 20, 2021 | A Better Way to Manage Health Insurance Costs for Public Schools

January 27, 2021 | A Better Way to Manage Health Insurance Costs for Independent Schools

February

February 3, 2021 | Moving Forward

Footer: Call-To-Action

Contact the Horton Group today to discuss how you can achieve a higher level of performance.

Contact Us

Find Us

Horton Group
Corporate Headquarters / Orland Park, IL
(800) 383-8283

Bourbonnais, IL
Chicago, IL
Edina, MN
Estero, FL
Indianapolis, IN
South Bend, IN
Sturgis, MI
Waukesha, WI 

  • About
  • News
  • Our Team
  • Career
  • Office Locations
  • Contact
  • Forms & Applications
  • Assurex Global
  • Awards
  • Privacy Policy

Join Our Mailing List!

Sign up to receive email notifications for upcoming events and important industry news.

  • Facebook
  • LinkedIn
  • Twitter
  • YouTube
  • Instagram

Copyright Menu

  • Privacy Policy
  • Sitemap
  • Terms & Conditions
  • Ethics Reporting System
  • Compensation Disclosure
Copyright © 2021 The Horton Group