The CMF Group is often told by Healthcare Professionals that either they don t feel they need individual coverage because they are covered by their hospital or other facility or that their facility has advised them not to obtain individual coverage. Perhaps the facility would prefer the care giver did not have independent legal counsel at the time of a loss.
Many large facilities maintain a large self-insurance deductible in their insurance program.
In effect, there is no insurance company responsible for this first layer. The facility pays those losses itself. Consequently, the facility has even more incentive to pay the claim, not fight for your innocence. The facility could decline coverage at the time of the loss on the grounds that you did not follow its instructions and protocols. Remember, this means if the claim is made later, after you have left the facility, you may not be covered.