For a variety of reasons, many healthcare professionals seek out secondary employment –also known as “moonlighting.”  If you are considering taking on a secondary role, there are many important factors to consider, especially when it comes to malpractice insurance. 

Below are some of the most common misconceptions we hear from our clients. 

1. All moonlighting roles are considered part-time.

FALSE.

In standard medical malpractice insurance policies, anything 20 hours or more per week is usually considered full-time.  Thus, it is important to know how many hours you will be expected to work –if it is 20 hours or more per week, this will most likely mean you will need to pay for a full-priced insurance policy. 

    2.  My medical malpractice insurance policy from my full-time job will cover my moonlighting work.

FALSE.

Medical malpractice insurance policies usually only cover a provider for one role at one institution.  It should not be assumed that a policy you have for one job will cover you at another job.  We’d be happy to review your policy to see if that is the case. 

    3.  I can only moonlight in my specialty.

FALSE.

There are many moonlighting opportunities out there and physicians do not need to stick to their specialty.  Common moonlighting positions available include:  serving as a medical director, or working in home healthcare, medi-spas, urgent care clinics, or correctional facilities. 

    4.  I will need to get separate moonlighting insurance. 

This is most likely TRUE –but contact us today to discuss your unique situation and find out.