Short-Term Coverage
Flexible temporary medical malpractice insurance designed for locum tenens work, practice transitions, coverage gaps, and short-duration assignments.
What is Short-Term Coverage?
Short-Term medical malpractice coverage provides temporary protection for healthcare professionals who need insurance for a limited period. Whether you're filling in for another physician, transitioning between jobs, or working a limited-duration assignment, short-term coverage ensures you're fully protected.
This type of policy is typically written on a Claims-Made basis with durations ranging from a few days to 12 months. It's designed to be flexible, affordable, and easy to obtain, making it ideal for physicians who need immediate coverage without a long-term commitment.
Short-term policies can be structured as standalone coverage or as gap coverage to supplement your existing policy, depending on your specific situation and needs.
Key Features
- Flexible Duration
Coverage from as little as one day up to 12 months
- Quick Activation
Fast approval process, often within 24-48 hours
- Cost-Effective
Pay only for the coverage period you need
- Full Protection
Same comprehensive coverage as annual policies
Common Use Cases
Locum Tenens Work
Coverage for temporary physician positions, filling in for other doctors, or working through staffing agencies on short assignments.
Job Transitions
Bridge coverage between jobs when your previous policy has ended but your new employer's coverage hasn't started yet.
Trial Periods
Temporary coverage while you evaluate a new practice setting, location, or specialty before committing to annual coverage.
Per Diem Work
Protection for physicians working occasional shifts at hospitals or clinics without a regular full-time position.
Coverage Gaps
Emergency coverage to fill unexpected gaps in your insurance, such as when a policy lapses or cancels unexpectedly.
Special Projects
Coverage for limited-duration projects, medical missions, relief work, or consulting assignments outside your regular practice.
Coverage Options
Daily Coverage
Ideal for one-time shifts or very brief assignments. Coverage can be purchased for as little as a single day, with premiums calculated on a per-diem basis.
- Perfect for per diem shifts
- Pay only for days worked
- Minimum charges may apply
Monthly Coverage
Best for assignments lasting several weeks to several months. More cost-effective than daily rates for extended assignments.
- Ideal for locum tenens assignments
- Better value for longer assignments
- Can be extended as needed
Important Considerations
- •Short-term policies are typically Claims-Made, so you may need tail coverage when the policy ends
- •Check with facilities beforehand, some require minimum coverage amounts or specific policy types
- •If you work locum tenens regularly, an annual policy may be more cost-effective
- •Ensure the policy covers all locations and procedures you'll be performing
- •Some staffing agencies provide coverage, but verify it meets facility requirements
Application Process
Submit Application
Provide basic information about your assignment, specialty, and coverage dates
Quick Review
Our team reviews your application and provides a quote, typically within 24-48 hours
Bind Coverage
Accept the quote, pay the premium, and your coverage is immediately active
Receive Certificate
Get your certificate of insurance delivered electronically for credentialing
Who Needs Short-Term Coverage?
Locum Tenens Physicians
Doctors working temporary assignments through agencies or direct hire
Transitioning Practitioners
Physicians moving between jobs, locations, or practice settings
Per Diem Workers
Healthcare professionals picking up occasional shifts or moonlighting
Get Your Customized Quote
Connect with our team for guidance and a personalized quote.