Moonlighting and Liability Coverage: 5 Things to Know

Male Physician with Stethoscope Now that the Affordable Care Act has been upheld by the US Supreme Court, the ramifications are clear. With reimbursements for Medicare and Medicaid expected be lower, and the number of eligible patients going up, doctors should embrace the opportunities that this situation presents. At, we counsel our physicians to search out moonlighting opportunities, if they are interested, because the jobs are available and it can be an easy way to supplement their income. In addition, we secure policies daily for physicians entering new moonlighting positions and here are a few key points that can help you with your moonlighting liability coverage search.

Moonlighting and Liability Coverage: 5 Things You Need to Know

1. Make sure your current employment contract does not prohibit you from moonlighting.

2. Don’t assume your current policy will cover you! Many physicians will try to have their primary liability insurance company pick up their extra hours, but usually they will exclude coverage for anything outside the doctor’s full-time practice. Most moonlighting policies are part-time. This means that the liability policy covers the physician for 20 hours or less per week. Physicians should be aware that the policies contain the same features as their full-time coverage, and if they leave the policy, and they have purchased a claims-made policy, they will have to purchase a tail.

3. Different positions require different kinds of policies. Most of the admitted insurance companies will cover a moonlighting position, put it depends on the situation. Some moonlighting positions require approaching a surplus lines company. For instance, a physician that moonlights at a nursing home and treats another doctor’s patients, will more than likely have to go to a surplus lines company. Another example would be a doctor doing weight loss or certain medi-spa treatments.

4. Moonlighting outside of your specialty. If you take a position outside of your specialty, the liability insurance companies will most likely require proof-of-training in order to give coverage.

5. Know the details of your position. It is important to provide as much detail as possible about your moonlighting position to your liability agent when seeking coverage. You should provide your agent:
Name and address of position location
Specialty (Is this different from your current specialty?)
Duties and responsibilities
Number of hours per week
When the coverage needs to be in place

Contact us today if you would like to discuss moonlighting liability coverage.