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Why do EMTs and paramedics need insurance?
You strive to provide the best possible care, but even the most experienced EMTs can make mistakes. Malpractice insurance covers legal costs if a patient accuses you of negligence. Other insurance policies provide financial protection against damaged property, work injuries, and auto accidents.
Save money on insurance
Emergency medical technicians (EMTs) and paramedics can save money by comparing free quotes from top-rated insurers with Insureon.
Gain financial protection and peace of mind knowing you have the right coverage for your work.
What types of insurance do EMTs need?
These insurance policies cover common risks faced by EMTs and paramedics.
General liability insurance
A general liability policy covers the cost of common third-party accidents, such as a patient who falls while transferring from a wheelchair. It's often required for a commercial lease.
BEST FOR
- Slip-and-fall injuries
- Damage to a patient's property
- Libel and other advertising injuries
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for EMTs and paramedics to buy general liability coverage and commercial property insurance together.
BEST FOR
- Slip-and-fall accidents
- Damage to a patient's property
- Stolen or damaged business property
Professional liability / medical malpractice
Malpractice insurance for EMTs and paramedics covers legal costs related to professional negligence, such as a claim that your treatment worsened a condition.
BEST FOR
- Improper treatment
- Miscommunications
- Delayed response
Workers' compensation insurance
Most states require workers' comp for emergency medical services (EMS) that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Medical costs from work injuries
- Disability benefits
- Employee injury lawsuits
Cyber insurance
This policy helps EMTs and paramedics pay expenses associated with data breaches and cyberattacks. It can often be added to a business owner's policy or general liability policy for savings.
BEST FOR
- Customer notification costs
- Data breach investigations
- HIPAA data breach fines
Commercial auto insurance
Most states require commercial auto insurance for vehicles owned by an emergency medical service. It helps cover legal costs in the event of an auto accident.
BEST FOR
- Damage caused by your vehicle
- Medical bills from an auto accident
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does business insurance cost for medical professionals?
An EMT who works independently will pay less for insurance than a larger business.
Factors that affect premiums include:
- Healthcare services offered, such as emergency medical care
- Medical equipment and property
- Years of experience
- Types of insurance purchased
- Policy limits and deductibles
How do I get business insurance for EMTs?
It's easy to get business insurance for EMTs and paramedics if you have your business information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance products for your business, whether you work independently or hire employees.
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FAQs about EMT and paramedic business insurance
Why do EMS professionals need to carry malpractice insurance?
EMTs, paramedics, and other first responders can rely on medical malpractice insurance, also called professional liability insurance, to cover attorney's fees and other costs related to professional negligence. There are several reasons why you might need this coverage:
- To protect your personal assets. Your employer might provide malpractice coverage, but many medical professionals choose to buy their own policy to make sure their best interests are represented in court.
- Your employer may require it. The healthcare facility you work for may require you to carry a malpractice insurance policy, even if it's not required by state law.
- Independent contractors are not covered. If you work as an independent contractor, your employer's policy will not provide coverage and you will need to secure your own protection against malpractice lawsuits.
Is occurrence or claims-made malpractice coverage better for paramedics?
Paramedic and EMT malpractice insurance is usually sold as a claims-made policy, which means you’ll need to keep your policy active in order to benefit from it. Most other types of business insurance are occurrence-based policies, which provide coverage during the policy period even after your policy expires.
With a claims-made policy like malpractice, it's crucial to have continuous coverage. You can secure coverage for incidents that happened in the past by setting a retroactive date with your insurance company. And for malpractice claims that happen after you retire or cancel your coverage, you can add tail coverage to extend the window in which you can file a claim.
As for which type of insurance is better, occurrence-based policies provide longer term protection, but you can achieve that with claims-made insurance by choosing the right policy options. Occurrence-based policies also tend to cost more than claims-made policies, so there's no hard and fast rule for which is best.
How can EMT and EMS professionals get affordable auto insurance?
Insuring your ambulance or other vehicle doesn't have to be expensive. However, you do need to make sure your policy meets your state's requirements for auto liability insurance.
Here are a few ways to save money on commercial auto insurance:
- Shop around and compare quotes from different insurance companies. One way is with Insureon's easy online application.
- Keep your driving record clean. Insurance claims make your premium go up, which is another good reason to focus on safe driving.
- Customize your policy with affordable options, such as lower limits, a higher deductible, or by avoiding costly options like comprehensive coverage.
What other insurance coverage should paramedics and EMTs carry?
EMTs and paramedics may need additional protection depending on the type of work they do and their risks. Fortunately, it's possible to modify your policy to cover a wide range of property and liability claims, including:
- Telemedicine / telehealth coverage
- HIPAA defense coverage
- License defense coverage
- Sexual misconduct defense coverage
- Portable coverage for volunteer or per diem work
- Inland marine insurance for equipment carried in an ambulance
- Business interruption insurance for temporary business closures
Consult a licensed insurance agent to find out about any exclusions or to add other types of liability coverage to your policy.