If my employer has professional liability insurance, what should I know about it?

Here are questions to ask about coverage:

• Are you referred to by name in the employer’s policy?
• Is your employer willing to provide you with written verification, such as a Certificate of Insurance, to confirm that you are covered?
• Does your employer’s policy have a separate limit of liability for you, so your coverage is not used up by claims made against others covered by the employer’s policy?
• Does your employer’s coverage provide for legal costs for you, even when your interests may be in conflict with the employer’s?
  • SDMS Liability Insurance provides coverage to pay for legal expenses incurred in defending yourself against a claim made against you. This is in addition to your other policy coverage limits.
• Will your employer’s policy cover you if you work on a contract basis outside regular work hours?

Here are questions to ask about case resolution and payment:

• Will your employer advise you of a settlement offer from a litigant before the settlement is accepted? (This is called consent to settle.)
• Will your employer reimburse you for lost income due to court appearances or meetings?
  • SDMS Liability Insurance will reimburse you up to $2,500 for counsel fees and expenses if you are required to provide a deposition related to covered services performed, even if you are not a direct defendant in the action.
• Will your employer reimburse your costs of legal representation for licensure and/or administrative review?
  • SDMS Liability Insurance will reimburse you for up to $5,000 per incident per year for expenses defending yourself in a state regulatory authority investigation.

In addition, SDMS Liability Insurance:

• Broadens your coverage automatically if the insurance company broadens the coverage form
• Covers bodily injury, property damage, or personal injury claims, not to exceed the limit of liability stated in policy declarations and subject to all policy terms

​About the Insurer

Coverage under the SDMS Program is underwritten by an AM Best A+ (Superior) rated insurance carrier known for providing quality professional liability coverage to medical and healthcare professionals.

The SDMS program is administered by SDMS Insurance Services, which was formed to provide insurance services to SDMS members.

SDMS Insurance Services
O'Hare International Center
10275 W. Higgins Road, Suite 500, Rosemont, IL 60018
PHONE 844.641.7367 | sdmsinfo@myhpli.com | https://sdms.myhpli.com