Do insurance companies require that I list Independent Contractors on my liability insurance policy?

  • by Silvana
  • Jul 06,2018
  • 9 answers

Liability malpractice insurance question: As a Doctor and owner of my own practice in Florida, do insurance companies require that I list Independent Contractors on my policy? I have 3 Independent Contractor Providers working for me and they each have their own malpractice insurance coverage, do I still need to add them to my policy?


LIKE OR DISLIKE:

  

Insurance Answers (9)

David 14 6 days ago

You should ask your insurance company or agent to be 100% sure.

Help others find the most helpful reviews
Was this review helpful to you?  

mbrcatz 7 days ago

On your medical malpractice application, you will be asked to provide information on other professionals who will be working in your office. This would include any PAs, nurses, and can include independent contractors. Your agent can negotiate with your med mal carrier, whether or not you actually get charged for the ICs on your policy; if they carry limits lower than yours, you can bet you will be charged.
You will also have to provide a certificate of insurance to your carrier, showing that they have coverage.
With respects to general liability and/or workers compensation coverage, if they don't already have those policies covering them, then your policies will pick up the charges for them, just as if they were employees.

Help others find the most helpful reviews
Was this review helpful to you?  

STEVEN F last week

You CAN'T list independent contractors on your insurance.
They may dispute your characterization of some individuals as independent contractors, as opposed to employees.
If the people are legitimately independent contractors, YOU don't have an insurable interest.

Help others find the most helpful reviews
Was this review helpful to you?  

Jessica last week

Call 211.

Help others find the most helpful reviews
Was this review helpful to you?  

Eva last week

You need to list them and also include copies of their insurance coverage. You will also need to do the same for workers' compensation. Your insurance company may ask that they add you as an additionally insured on their policy as well.

Help others find the most helpful reviews
Was this review helpful to you?  

? last week

casi pr encima

Help others find the most helpful reviews
Was this review helpful to you?  

USAFisnumber1 last week

No. You pay the independent contractor his money and from it he has to pay his income taxes, both parts of Social Security, his health care insurance, his malpractice, his professional association fees, his license fees, etc. The catch here is he has to be INDEPENDENT, meaning how they carry out the aspects of their profession is up to them. For example, you can not call a nurse anesthetist an independent practitioner if you dictate to them what drugs they will use, what kind of spinal or epidural equipment they will use, if they will take the patient to the recovery room extubated or with the tube in, etc. If you have an X-ray tech and you think the pictures are too dark you can comment on it and let them decide how to fix it, you can not tell them to turn up the power by 15%. If you substantially direct how they do stuff regarding their profession then they are not independent contractors even if you call them that, they are employees. If you dictate to that extent then you need to provide insurance also in case a problem arises due to YOUR directions to them which they otherwise would not have done. I suggest you talk to a lawyer about the difference between an employee and an independent contractor so you do not step over the line. (Like Microsoft did with a bunch of computer geeks.)

Help others find the most helpful reviews
Was this review helpful to you?  

Analis last week

son tantos que

Help others find the most helpful reviews
Was this review helpful to you?  

Judy last week

You're a doctor, so I assume you're fairly smart. Why in the world would you ask that here, instead of asking your malpractice insurance company?

Help others find the most helpful reviews
Was this review helpful to you?  

Post a Answer

Your comment was successfully posted!

Or use your account on Blog

Error message here!

Hide Error message here!

Forgot your password?

Or register your new account on Blog

Error message here!

Error message here!

Hide Error message here!

Lost your password? Please enter your email address. You will receive a link to create a new password.

Error message here!

Back to log-in

Close