Medical Professional Liability Protection
The Hospital and University provide coverage for liability exposure for all house staff and clinical fellows for those clinical activities which they perform within The Johns Hopkins Medical Institutions which are within the scope of their training program. Coverage includes legal defense and payment of loss to the extent of maximum judgment within insurance policy limits and also requires participation in the Hospital’s Risk Management Program.
Coverage is provided through MCIC Vermont, Inc. It is a claims made policy and provides the insured with "tail" coverage for future unreported claims. Coverage is in the amount of $5,000,000 per claim and unlimited aggregate limits.
Insofar as extracurricular employment is not an extension of postdoctoral training at the JHMI or an approved activity under any residency or clinical training and educational program of the JHMI, medical professional liability insurance coverage is not provided to any trainee for such activities.
