In order to bring in more revenue, physicians are increasingly getting more creative with the types of programs and services they provide – not only to patients, but to others outside their practice.
The problem is some or all of these services may fall outside of the scope of CAP’s medical liability coverage through the Mutual Protection Trust, for example:
- Providing Durable Medical Equipment (DME) to your patients.
- Practicing telemedicine to patients outside of California.
- Serving as a Medical Director for another organization, such as a medical spa.
- Selling skin care products to your patients.
- Providing expert witness testimony, independent medical exams, and presentations to groups.
- Writing a book.
You probably didn’t know that you could be at risk if a disgruntled patient files a lawsuit against you and you thought you had the right type of coverage. For instance, if you provide DME to a patient and it malfunctions causing an injury, did you know you could be sued along with the manufacturer for those damages? The hope is the manufacturer will defend you, but you can’t always count on it. You need the right type of coverage to make sure that your legal expenses or judgments are covered.
If you are providing any product or service that you think may put you at risk, contact CAP Physicians Insurance Agency at CAPAgency@CAPphysicians.com or 800-819-0061. One of our CAP Agency professionals will be happy to help you determine your risk exposure and explore the coverage you will need.