Yes, coverage is provided automatically to a temporary health care provider who is substituting for an individual insured scheduled on one of our medical professional liability (MPL) policies. However, a written contract or agreement is required to specify the insured has agreed to provide MPL insurance for the locum tenens. The locum tenens will share the applicable limit of liability with the individual insured they are replacing. It is important to note that automatic locum tenens coverage is not available in Indiana, Kansas, Nebraska, and Wisconsin due to patient compensation fund requirements. In these states, an endorsement is required to provide coverage. If you have any questions about coverage for locum tenens, please contact your insurance agent or company representative.