Paramedic Malpractice Insurance in Vermont
What is Paramedic Malpractice Insurance?
Any form of medical work comes with certain inherent risks, and paramedics and EMTs are far from immune. Not only do first responders face many of the typical risks that come with practicing medicine in any setting, but they frequently work in adverse conditions that can even increase the possibility of something going wrong. Paramedic malpractice insurance policies help protect paramedics, EMTs and other medical first responders in Vermont from a variety of liability risks they face.
Paramedic malpractice insurance policies are a specific kind of medical malpractice insurance that’s particularly well-suited for most paramedics and EMTs. These policies generally don’t provide the same level of protection that a doctor’s malpractice policy likely would, but the policies still afford solid protection for most first responders.
Who in Vermont Needs an EMT Malpractice Insurance Policy?
Generally speaking, the majority of people who provide medical services in Vermont as a first responder should carry EMT malpractice insurance. This includes emergency technicians, paramedics, wilderness first responders and possibly other first responders.
Moreover, this guideline applies to most first responders regardless of whether they work on a paid or volunteer basis. It also usually applies irrespective of whether first responders are with an ambulatory service, fire department or other organization.
Are Medical First Responders Covered by Their Organizations’ Insurance?
In many cases, first responders receive some liability coverage from the organization that they work or volunteer with. A few organizations might not offer coverage, however, and what coverage is offered sometimes doesn’t provide all of the protection that first responders would like.
Moreover, coverage that an organization provides normally is in effect only when a first responder is actively providing services for the organization. Should a first responder attend to patients outside their normal scope of work, this additional care likely wouldn’t be covered by an organization’s policy.
For these reasons, many EMTs and paramedics may want to purchase their own liability insurance. Anyone who is interested in purchasing their own policy can speak with an insurance agent who specializes in EMT malpractice insurance. A specialized agent will be able to review an organization’s policy, explain what protections it does and doesn’t afford, and help first responders find a policy for themselves should they need one.
What Sorts of Incidents Do EMT Malpractice Insurance Policies Guard Against?
EMT Malpractice insurance policies are primarily liability insurance policies, so they usually insure against claims and lawsuits that another party brings against an insured first responder or organization. When a covered claim or lawsuit is brought against and insured policyholder, the policy will normally help pay legal defense fees, court costs and settlements up to the policy’s limits.
There are many situations that could lead to a liability claim or lawsuit being filed against an insured policyholder. The following are merely a few examples of potential incidents:
- A responder conducts an initial assessment poorly and misses a critical medical issue as a result
- A responder hastily stabilizes a patient, and the patient is injured further during transport because of the hurried stabilization
- A higher-level responder accidentally misreads a label, and gives a patient the incorrect medication or dosage
- A responder fails to secure equipment in an ambulance, and the equipment falls on a patient during transport
- A responder fails to fully and accurately fill out the necessary medical forms for a call
Do EMT Malpractice Policies Protect Property?
As a form of liability insurance, EMT malpractice policies generally don’t insure physical property against perils like theft, vandalism, fire or wind. To protect buildings, ambulances, equipment and other physical property, medical organizations normally need to purchase the corresponding property-focused insurance policies.
An insurance agent who’s familiar with EMT malpractice policies can likely also assist with securing policies that will protect the property an organization has.
How Can Responders in Vermont Get Paramedic Malpractice Insurance?
For help finding paramedic malpractice insurance for an organization in Vermont, contact the independent insurance agents at T.S. Peck Insurance. Our agents are able to show you multiple policy options from different insurers in the state, and they have the expertise necessary to help you choose whichever policy best meets your organization’s or your individual needs.