Professional Liability Insurance for Students in Health Care Professions

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Professional Liability Insurance for Students

Embarking on a career in health care is an exciting time for any student. You’re thinking of the potential your future holds as you pursue a career in an admirable and prosperous industry, and the gratification you will receive from helping people in need. What you may not stop to consider is the potential risks a career in health care can pose. The field of health care is many things― diverse, exciting, complex, necessary, inventive, respected—the list goes on. What the field of health care isn’t is free of risk.

Full-time health care professionals, students preparing to become health care professionals, and individuals who spend time working directly with patients are all vulnerable to the risk of malpractice claims made against them.

The fact is, if a patient whom you have cared for in any way believes they’ve been wronged or injured due to your negligence while providing a service, they may choose to file a malpractice lawsuit against you. It won’t really matter to them what your professional status is, or the fact that you are a student—they’ll simply be concerned with righting any wrong they think you have caused.

Being named in a lawsuit can have many unfavorable consequences. Most notably is the cost associated with defending a claim of your alleged negligence. Even if a claim turns out to be unjustified, there are expenses to pay—attorney fees, court fees and other related expenses. And if a claim turns out to be legitimate, the costs will include the amount of any settlement that a judge orders you pay to the claimant—all of which can add up to thousands of dollars. These kinds of expenses are rarely expected, and hardly affordable for any working professional. For students living on financial assistance or a part-time job, having funds for this kind of expense is simply unfathomable.

The good news? You have an affordable solution to help protect yourself against this risk.

Professional Liability Insurance for students is designed to protect your personal finances and academic career from the financial harm that can come from even a simple mistake in the health care you deliver to your patients. By purchasing a personal Professional Liability Insurance policy, you’re taking the extra step to protect yourself if the unexpected happens and you’re pulled into a lawsuit. The insurance is there to protect your finances against the potential of exorbitant costs (up to the $1,000,000 policy limit), and you’ll be represented by carefully-chosen defense counsel that will help you through every step of the legal process.

It’s important to know that for Student Professional Liability Insurance coverage to apply, the insured student must be working under the direct supervision of a licensed health care professional, such as in a designated student program or internship. A student policy will not provide coverage if you perform health care services on your own away from the facility in which you are supervised.

Why should students choose Lockton Health Professional Liability coverage?

  • Great low rate for students—starting at just $18 for an annual policy*
  • Coverage is available for numerous allied health care disciplines
  • Limits of $1,000,000 per claim/$3,000,000 aggregate
  • Policy can be purchased online quickly and easily with a credit card or e-check
  • No deductible applies for student policies
  • Proof of coverage is sent via email as soon as your payment is received—perfect for students who need to provide evidence of insurance to apply for an internship
  • Once you’ve earned your license/certification, your policy protects you no matter where you provide training

As a student, you aren’t exempt from the liabilities that come with administering health care, even seemingly minor exercises or procedures require caution. The best way for you to protect your academic career is by purchasing a Professional Liability Insurance policy that will works for the long-term.

To learn more about the Professional Liability Insurance for students offered by Lockton Health, visit the Coverage Overview page. Additional information to help you make sense of Professional Liability coverage is also available on the Helpful Info page.


*The current $18 annual premium for student coverage is the first year rate and will increase to $20 at renewal.