Won’t my employer’s policy cover me?

Even though you may be covered under an employer’s policy, this does not clear you from risk. You may still be liable for you own negligence, and as a result, all or part of a plaintiff’s award or settlement. You may even be required to compensate your employer for damages paid to a claimant. You can either assume this risk or buy insurance that transfers it.

The only way to ensure that you’re covered for your professional acts is to have your own policy, issued in your name. Your policy will provide you with limits of liability that meet your professional needs. And, because the policy is issued in your name, many possible conflicts of interest between you and your employer may be eliminated in the event a claim is filed.

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