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.
Residents and clinical fellows performing approved moonlighting activities at any of the Johns Hopkins Medical Institutions will be covered under Johns Hopkins Professional Liability Insurance. However, residents and clinical fellows performing approved moonlighting activities at any hospital/facility other than a Johns Hopkins Medical Institution will not be covered under Johns Hopkins Professional Liability Insurance. A resident or clinical fellow who intends to engage in moonlighting activities at hospitals/facilities other than the Johns Hopkins Medical Institutions must ensure that he/she will be covered by professional liability insurance at the location at which the moonlighting activities take place. NOTE: Even though moonlighting hours at a participating institution count toward compliance with the ACGME work hours guidelines, the resident/clinical fellow is not covered by Johns Hopkins professional liability insurance for moonlighting activities at a participating institution unless that institution is one of the Johns Hopkins Medical Institutions, including the Johns Hopkins Hospital, Johns Hopkins Bayview Medical, Johns Hopkins Medical Services Corporation/Johns Hopkins Community Physicians, Howard County General Hospital, Suburban Hospital, Sibley Hospital, and All Children’s Hospital.