Policyholder Services

What coverage exists for my ancillary personnel?

Updated 5/5/2016

All employed ancillary personnel, except for optometrists and nurse anesthetists, are automatically covered under your policy as additional insureds for services rendered within the scope of their training, licensure (if any), and employment by you and for your direct benefit. This coverage is included at no additional charge, and you and your personnel generally share your single limit of liability. In Kansas, Nebraska, and Pennsylvania, all ancillary personnel share a common limit of liability separate from but equal to your personal limits. In Wisconsin, your employed ancillary personnel will share your liability limits if you are an entity.  Employees in Wisconsin are not permitted to share liability  limits with physicians, however. If you are an ophthalmologist, your employees share a common liability limit separate from but equal to your limits. Separate limits of liability will apply individually to non-physician practitioners in any state if required by state law.

Since ancillary personnel are automatically insured under your policy for services they render on your behalf, they do not need to maintain their own professional liability insurance policies. And you are covered for your vicarious liability arising from services your staff (including employed optometrists and nurse anesthetists) render.