Q: What is PLI?
A: Professional Liability Insurance protects healthcare professionals against bearing full financial responsibility while defending against (real or alleged) errors or omissions, including negligence, during the course of their professional duties.
Q: Why does Go4 require me to have PLI?
A: For protection of course! Having adequate PLI is listed in the BOC Standards of Professional Practice and working without it puts athletic trainer’s professional and financial well-being at risk.
Per diem work can present unique challenges that may increase the risk of a malpractice claim against an AT. In today’s highly litigious world, it is important to Go4 that ATs are protected, and can defend against these claims.
Q: How do I get PLI and how much does it cost?
A: There are many PLI providers and it is always best to get a few quotes. [ HPSO, Athletic Trainer Insurance Plus, CM&F Group, CPH and Associates] If you are an NATA member, there is a discount available through Mercer that you can access by clicking here.
Plans typically start around $200 for the year. This includes $1,000,000 per incident and $3,000,000 aggregate coverage.
Premiums can be influenced by things such as employment status and amount of coverage, so make sure you know what you are getting and what is covered prior to purchasing.
Q: I already have PLI through my employer. Will that work?
A: No! PLI through your full-time gig protects you while providing services for your primary employer. In fact, there may be gaps in coverage even then. For example, if an AT works at a secondary school/university, the policy may be worded to specify who the AT will be providing care for (student athletes). This could create a gap in coverage if health care services are provided to a spectator, coach, official, etc. For any per diem/volunteer work outside of your primary place of employment, separate professional liability insurance is needed.
Every sideline. Everywhere.