As a means of generating more revenue, physicians are becoming more creative with the types of programs and services they provide to patients and non-patients alike. The problem is some or all of these services may fall outside the scope of CAP’s medical liability coverage. Here are a few examples:
- Providing durable medical equipment (DME) to your patients
- Practicing telemedicine to patients outside of California
- Serving as a medical director for another organization, such as a medical spa
- Selling skincare products and/or nutritional supplements to patients
- Providing expert witness testimony, independent medical exams, and presentations to groups
- Writing a book
- Making and distributing videos
You probably didn’t know that you could be at risk if a disgruntled patient files a lawsuit against you and you thought you had the right type of coverage. For example, if you provide DME to a patient and it malfunctions, causing an injury, did you know you could be sued for damages along with the manufacturer? The hope is the manufacturer will defend you, but you can’t always count on it. You need the right type of coverage to make sure all of your legal expenses are covered.
Consultative services have risks. Times have changed in California (and some other states as well). Attorneys may now sue the “friendly” expert witnesses they have hired for breach of contract or professional malpractice. If a defendant or plaintiff finds your conclusions as an expert witness damaging, they could bring a lawsuit against you.
If you offer through your practice any product or service that you think may put you at risk, contact CAP Physicians Insurance Agency at CAPAgency@CAPphysicians.com or 800-819-0061. One of our coverage professionals will be happy to help you determine your risk exposure and explore the correct coverage you will need.