Students in healthcare and other professions should consider purchasing student malpractice insurance, which protects against allegations of wrongdoing and lawsuits by clients or their families. Some schools and employers may provide coverage, but students should review the coverage and seek additional protection if necessary. Liability insurance may also be available for apprentices in other trades.
Students who provide professional services to the public as part of their education and training should consider purchasing student malpractice insurance. Before purchasing insurance, it is a good idea for a student to check with both their school and their workplace to determine if student malpractice insurance is already provided. If so, you may still want to review the coverage offered and, in some circumstances, may want to seek additional coverage if you believe your situation requires such protection.
Student negligence insurance, a type of professional liability insurance, protects students, schools and employers in cases where a trainee is the target of an allegation of wrongdoing and a lawsuit by a client or his family. This type of insurance is often made available to students preparing for healthcare careers, but it may also be suitable for those who are undergoing training or apprenticeships in other professions and trades. Depending on the laws and practices in the area where the student is receiving their training, student malpractice insurance may cover the costs of legal advice, expenses related to attending or preparing for a trial, as well as any money or settlement awarded to a plaintiff. If a student has a significant amount of personal wealth, she may want to ask about getting a policy with a higher limit than her fellow students.
Reputable schools and supervisors will not allow a student to begin an internship, practice, or other training without first obtaining sufficient malpractice insurance coverage. Medical schools, for example, can actually get coverage for their own students. This coverage kicks in when students start working directly with patients. Schools preparing students for mental health careers may also purchase this insurance, but may also direct students to insurance provided by professional associations. These schools may require proof of student neglect insurance before students can begin work at various field locations.
Students or apprentices in other trades may consider obtaining liability insurance for themselves, even if it is not required by a training program or, if they are learning under a professional, their supervisor. They may want to talk to an insurance agent or lawyer about their options, or they may ask about insurance provided by a member association. Many trade groups offer student memberships that may include some form of liability insurance.
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