{"id":1188,"date":"2021-10-26T12:39:24","date_gmt":"2021-10-26T12:39:24","guid":{"rendered":"https:\/\/novacoremuldev.wpengine.com\/atp\/?p=1188"},"modified":"2025-11-21T13:16:13","modified_gmt":"2025-11-21T13:16:13","slug":"understanding-vicarious-liability-coverage","status":"publish","type":"post","link":"https:\/\/novacore.com\/atp\/understanding-vicarious-liability-coverage\/","title":{"rendered":"Understanding Vicarious Liability Coverage"},"content":{"rendered":"<!--themify_builder_content-->\n<div id=\"themify_builder_content-1188\" data-postid=\"1188\" class=\"themify_builder_content themify_builder_content-1188 themify_builder tf_clear\">\n                    <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_bwmj778 tb_first tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_kpg2778 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_wbm567   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Are you wondering about your clients\u2019 professional liability coverage and how far it goes? One of the most misunderstood areas \u2014 and one where we consistently get questions from agents \u2014 is vicarious liability.<\/p>\n<p>Vicarious liability is the part of a professional liability policy that covers a business in situations in which it could be held responsible for the errors and omissions of its employees, contractors or partners. This can include wrongdoings ranging from bodily injuries, improper supervision and even wrongful death.<\/p>\n<p>Vicarious liability is a common risk for behavioral health businesses \u2014 and having robust professional liability insurance coverage in place is key to ensure oversights don\u2019t impact their bottom line.<\/p>\n<p>This coverage may seem simple enough, but here\u2019s where confusion comes in that could lead to unfortunate insurance coverage gaps. Hospitals and other care facilities often utilize both full-time doctors and contracted physicians. Depending on the policy \u2014 and the insurance company with which you are working \u2014 contracted workers may not be covered, nor would vicarious liability coverage extend to acts by said contracted workers. In this instance, if a contracted physician makes a mistake, the business is on the hook for the associated costs in the event the business is also named in the lawsuit.<\/p>\n<p>Here\u2019s a scenario of how this could play out for one of your insureds. We insure \u201cABC Rehab\u201d and they contract Dr. Smith to render professional services to their clients. Dr. Smith\u2019s duties include prescribing medications. One day, a client experiences an adverse reaction to a medication Dr. Smith prescribed, which results in a lawsuit where both ABC Rehab and Dr. Smith are defendants. In this situation, our policy\u2019s vicarious liability coverage will respond to defend ABC Rehab for the services provided by Dr. Smith, even if Dr. Smith is a contract worker rather than an employee.<\/p>\n<p>An additional perspective within this scenario highlights another important question \u2013 what about Dr. Smith? When Dr. Smith\u2019s contract with ABC Rehab started, ABC contacted their insurance agent and requested Dr. Smith\u2019s addition to their professional liability policy. Dr. Smith has separate medical malpractice coverage in place, but it does not extend to any professional services rendered on behalf of ABC Rehab. Since Dr. Smith is a scheduled professional on the policy, our policy would also provide a defense to Dr. Smith individually in this lawsuit. Some carriers don\u2019t offer the option to schedule contracted professionals like Dr. Smith, which forces these professionals to purchase another separate policy.<\/p>\n<p><strong>I\u2019m proud to say that ATP is stronger than our competitors in this area \u2014 as we are one of the few programs in the country offering comprehensive vicarious liability coverage and primary coverage for both full-time and contracted professionals working for our insured behavioral health organizations.<\/strong><\/p>\n<p><em><strong>Are your clients covered for the acts of their physicians? If you\u2019re not sure or would like to learn more about vicarious liability, reach out to Krista Mayes, ATP Program Director, using the link below.<\/strong><\/em><\/p>\n<p><a href=\"https:\/\/nsmincstaging.wpenginepowered.com\/programs\/atp\/contact-us\/\" target=\"_blank\" rel=\"noopener\">Contact us<\/a><\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n        <\/div>\n<!--\/themify_builder_content-->","protected":false},"excerpt":{"rendered":"<p>Are you wondering about your clients\u2019 professional liability coverage and how far it goes? One of the most misunderstood areas \u2014 and one where we consistently get questions from agents \u2014 is vicarious liability. Vicarious liability is the part of a professional liability policy that covers a business in situations in which it could be [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1189,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1188","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Understanding Vicarious Liability Coverage - ATP Insuring Behavioral Health<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/novacore.com\/atp\/understanding-vicarious-liability-coverage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Understanding Vicarious Liability Coverage - ATP Insuring Behavioral Health\" \/>\n<meta property=\"og:description\" content=\"Are you wondering about your clients\u2019 professional liability coverage and how far it goes? 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