9 Questions Every Healthcare Practitioner Should Ask Their Employer
You may have some questions before you start your career in the health & wellness field. What is the compensation? What are my job responsibilities? And do I need personal professional liability insurance? At CM&F we want to provide you with more than affordable malpractice coverage. We want to be a resource for you as you advance your career. The following list of questions are important to review with potential employers, or even with your existing employer as you change positions. Use the below guide to help you get the answers you need as you navigate new career opportunities – and whether or not you need to invest in your own professional liability insurance.
What are the job responsibilities expected of you at the potential new company?
Responsibilities of healthcare providers can span a variety of areas depending on the specialty you enter, the size of your place of employment, or even local laws and regulations enforced by your professional state board. It is always a good idea to clarify what your daily responsibilities are, what your employer’s expectations are, and what you are legally allowed or not allowed to do within your scope of practice according to your state.
Are there any continuing education opportunities to further my career in the health & wellness field?
Professions in healthcare undergo changes all the time. As the laws change, and the medical or licensing boards expand the roles of various healthcare providers, advancing your education, keeping current with best practices or getting specialty certificates for specific fields of healthcare or medicine are just a few of the myriad ways you can expand your career.
As you further advance in your career, it is especially vital to have your own professional liability insurance policy. Even if your employer is encouraging or paying for you to get continuing education, their malpractice insurance policy will not cover you outside of the office and your regular working hours.
CM&F’s malpractice insurance for healthcare practitioners is comprehensive and flexible, designed to fluctuate with the changing relevant laws, so you know you are always covered within scope of practice as outlined within your policy.
Are there any professional associations that I should consider joining?
Each state typically has local professional associations or chapters of a larger national organization. We support working with national or local programs that help further the risk education of providers, keeping their personal livelihood protected from future malpractice claims.
Find out from your employer if membership comes with your employment, or if they provide any additional benefits to you for being a member of any specific associations.
As an employee, do I have malpractice or professional liability insurance for my position?
We insure healthcare groups & clinics, so we know firsthand that your employer’s policy will not have you as their main interest when it comes to malpractice legal cases or settlements – despite their best intentions.
If your employer does offer professional liability insurance, what is their coverage plan? Ask for it in writing so you can review it and present it in the future should a malpractice claim arise.
Does the malpractice insurance policy start right away upon hire?
Make sure there are no gaps in coverage as you transition employment, positions, or insurance companies. Reach out to CM&F’s client services team for advice and assistance as you evaluate your professional liability insurance options.
Should I have my own malpractice insurance plan?
Having your own personal malpractice insurance coverage will ensure that your interests are the priority and that your livelihood is protected. CM&F’s individual malpractice insurance options are attached to you, covering you wherever you go and wherever you work.
What is the starting salary of my position? How does that compare to the average?
Salary negotiations are often a tough subject for interviewees, newly hired or newly promoted employees. Make sure to do research on the starting, average and maximum salary rates for your position, in your medical field, in your state. With the salary being offered, also be sure to measure the additional benefits like PTO, continuing education or access to personal malpractice insurance.
What does malpractice insurance cost?
Malpractice insurance cost varies depending on position, type of coverage, and location. At CM&F, malpractice insurance is affordable and comprehensive with plans for new graduates starting at $50 a month. Our competitors cannot match our all-encompassing coverage plans at our prices. Find your profession and click “Get A Quote” for a free, no-obligation price on professional liability insurance for your specific specialty and in your state.
What do I need to do to succeed as an employee?
Know the expectations of your employer. If you know the expectations and meet or exceed them on a daily basis, as well as show drive and motivation to grow, your career will advance in no time. CM&F is adamant about protecting the livelihood of health & wellness providers for this very reason. A professional liability insurance policy for healthcare practitioners with CM&F reduces personal financial risk, damages to your reputation, as well as license or medical board repercussions.
Trust Your Career With CM&F
CM&F is not your typical professional liability insurance provider. CM&F clients are provided
with frequent risk education resources, and have a direct line of contact to our team always.
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