Moonlighting Coverage
Specialized malpractice protection for healthcare professionals working additional shifts, locum tenens positions, or part-time roles outside their primary employment.
What is Moonlighting Coverage?
Moonlighting coverage is a specialized medical malpractice insurance policy designed for healthcare professionals who work additional shifts, temporary positions, or part-time roles outside of their primary employment.
This coverage is essential when your employer's malpractice policy doesn't extend to work performed at other facilities, or when you're working as an independent contractor, locum tenens provider, or per diem professional.
Moonlighting policies can be tailored to cover specific activities, facilities, or time periods, ensuring you're protected no matter where or when you practice medicine.
Key Benefits
- Flexible Coverage
Customized protection for your specific moonlighting activities
- Cost-Effective
Affordable rates based on your part-time hours and activities
- Multiple Locations
Coverage across different facilities and practice settings
- Supplemental Protection
Works alongside your primary employment coverage
How Moonlighting Coverage Works
Assess Your Needs
Identify all locations, shifts, and activities where you'll be working outside your primary employment, including hours and scope of practice.
Get Tailored Coverage
Work with an insurance specialist to design a policy that covers your specific moonlighting activities with appropriate limits and terms.
Stay Protected
Maintain continuous coverage and update your policy as your moonlighting activities change or expand over time.
Important Considerations
- •Always verify your employer's policy doesn't cover your moonlighting activities before purchasing separate coverage
- •Inform all facilities where you work about your insurance coverage and provide certificates as needed
- •Coverage limits should match or exceed facility requirements for credentialing
- •Premiums are typically calculated based on hours worked, specialty, and activities performed
Who Needs Moonlighting Coverage?
This specialized coverage is ideal for:
Residents & Fellows
Working additional shifts outside training program
Locum Tenens
Temporary or traveling healthcare professionals
Per Diem Staff
Professionals working flexible shifts at multiple facilities
Part-Time Practitioners
Working secondary positions outside primary employment
Get Your Customized Quote
Connect with our team for guidance and a personalized quote.