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Professional Liability and Malpractice
Malpractice Insurance (Student)
The University, in conjunction with the Insurance Division of the State Treasurer's Office, currently maintains three (3) programs of malpractice insurance offering coverage to properly enrolled students. Two of the programs are provided through commercial insurance while the third is offered through self-insurance.
Eligible students participating in approved clinical courses in human genetics, medical technology, nursing, pathology, pharmacy, physical therapy, and social work are enrolled in a blanket insurance policy obtained through the state treasurer.
The following is a breakdown of the major points of the program:
- Each school's eligible program submits in late summer the estimated number of students who will be participating in clinical programs. The combined estimate for all University schools is submitted by EHS to the Insurance Division of the State Treasurer's Office.
- A listing of each program's participating facilities is submitted to EHS in the late summer. This listing includes the facility name, address, phone number, and contact person as well as which program is providing the students. After these listings are submitted to the insurance division, the insurance broker/agent will issue a certificate of coverage to each listed facility.
- Faculty engaged in actual clinical instruction are also covered under this policy.
- Coverage is currently provided under a "claims made" policy with $1,000,000/ $3,000,000 in limits.
- Students are billed through student accounting (financial services) each semester for their portion of the premium based upon their enrollment in designated clinical courses. Eligible enrolled students participating in the clinical programs in the dental school (including dental hygienist) are covered under a separate commercial policy that covers the operation of the entire clinical operation. The program highlights are listed below:
- All students properly enrolled in an eligible clinical course are covered under this blanket policy.
- All faculty who are registered to instruct in the clinical program are also covered.
- Coverage is under a "claims made" policy.
- Students are billed through student accounting (financial services) for their premium based upon the program and year in which they are enrolled.
Students are billed through Student Accounting (Financial Services) for their premium.
- A statement of coverage can be requested for any non-UM facility in which an eligible student is participating in a clinical program.
Professional Liability Insurance Coverage For Student Volunteer Activities
The campus, schools, and individuals on campus have been receiving an increasing number of requests for “volunteers” to assist with community outreach and volunteer events, such as requests for health aides at marathons or walks, and to give flu shots at campus or community events. These requests may be promoted through campus email or bulletin-boards by UMB or school leadership, by student groups, or by others.
It is important for students, faculty, and staff to know that the professional liability insurance provided to UMB students is intended to cover only formal experiential training activities that are part of the curriculum and are organized and conducted under the supervision of the school. Students and University personnel should not assume that the same professional liability insurance provides coverage for volunteer or community outreach activities.
A school or program may determine that a specific volunteer or community outreach activity qualifies as a “formal experiential training activity that is part of the curriculum, organized and conducted under the supervision of the school.” However, such a determination must be made in advance and a specific list of qualifying criteria must be reviewed and approved before the activity may be qualified for coverage.
The criteria are designed to ensure that UMB student volunteer activities comply with the terms imposed by each insurance company as a condition of providing professional liability insurance to UMB students. In each case, the school or program must keep in its files documentation showing that a designee of the dean determined in advance that minimum criteria were met, risks were appropriately assessed, and school oversight and control of the volunteer event was meaningful and adequate to manage risks arising from UMB student participation.
Each school or program must submit a quarterly report of all approved student volunteer activities to EHS. The reports will be used to analyze risks and assist UMB insurers in determining future premium calculations.
Community Outreach - Student Activity Form[CB1]
These guidelines address professional liability insurance coverage for UMB students only. Determining if UMB faculty and staff are properly licensed and insured for volunteer activities requires a different analysis and is not addressed under these guidelines.
Any questions regarding these programs should be directed to Angela Boxley at 410-706-3221 or by e-mail.