Paramedic Malpractice Insurance in Vermont

Who in Vermont Needs an EMT Malpractice Insurance Policy?

Generally speaking, the majority of people who provide medical services in Vermont as a first responder should carry EMT malpractice insurance. This includes emergency technicians, paramedics, wilderness first responders and possibly other first responders.

Moreover, this guideline applies to most first responders regardless of whether they work on a paid or volunteer basis. It also usually applies irrespective of whether first responders are with an ambulatory service, fire department or other organization.

Are Medical First Responders Covered by Their Organizations’ Insurance?

In many cases, first responders receive some liability coverage from the organization that they work or volunteer with. A few organizations might not offer coverage, however, and what coverage is offered sometimes doesn’t provide all of the protection that first responders would like.

Moreover, coverage that an organization provides normally is in effect only when a first responder is actively providing services for the organization. Should a first responder attend to patients outside their normal scope of work, this additional care likely wouldn’t be covered by an organization’s policy.

For these reasons, many EMTs and paramedics may want to purchase their own liability insurance. Anyone who is interested in purchasing their own policy can speak with an insurance agent who specializes in EMT malpractice insurance. A specialized agent will be able to review an organization’s policy, explain what protections it does and doesn’t afford, and help first responders find a policy for themselves should they need one.