Aesthetic, Med Director, Consulting - Niche liability is one of the problems for dermatologists, plastic surgeons, and family practitioners when considering insurance needs.
Understandably, there are many restrictions on clinical medical malpractice policies. Those policies are restricted to the location and to a particular type of work. There are vicarious liability risks that rise for a healthcare organization when physicians who are contracted to do clinical work take on contractual commitments outside of that organization.
Whether you are doing work at a Surgery Center, infrequent Telemedicine consultations, hospitalist work, Medical Expert Witness, or utilization review, each of these jobs carries its own unique liability. They can all be covered by one policy, or you can take an individual silo approach to finding niche-oriented liability.
A common question that we often hear from specialties such as dermatology, plastic surgery, otolaryngology, and family practice is