As members of UNC Hospitals' Housestaff, you are covered for professional liability while performing approved residency activities, including off-site residency rotations. Moonlighting is excluded from coverage. Professional liability coverage is provided to residents as a benefit of employment. Coverage is provided on an occurrence basis. This means that a resident is covered for anything that occurs within the course and scope of his or her employment as a resident, even if a claim or a lawsuit is brought for that occurrence after the resident has left the Hospitals' employment.
Coverage is triggered by an occurrence rather than a claim.
Professional liability coverage is provided by the UNC Liability Insurance Trust Fund which is administered by the Legal Department of UNC Hospitals. Health Insurance Housestaff are provided coverage through the Partners National Health Plans of North Carolina. Your family members can also be covered with the premium being shared by you and your employer. Health insurance benefits, along with the employer contributions and the employee contributions are reviewed annually and are subject to change. Prescription drug coverage is also provided.