The Hospital and University provide coverage for liability exposure for all house staff and clinical fellows for those clinical activities which they perform within The Johns Hopkins Medical Institutions which are within the scope of their training program. Coverage includes legal defense and payment of loss to the extent of maximum judgment within insurance policy limits and also requires participation in the Hospital’s Risk Management Program.

JHUSOM shall provide the Resident/Clinical Fellow with professional liability insurance coverage while the Resident/Clinical Fellow is acting within the scope of his/her assigned Program activities, consistent with the coverage provided to other medical/professional practitioners.  Coverage for activities occurring during the training period will be continued after the Resident/Clinical Fellow leaves the training program ("tail coverage.")

Residents and clinical fellows performing approved moonlighting activities at any of the Johns Hopkins Medical Institutions will be covered under Johns Hopkins Professional Liability Insurance.  However, residents and clinical fellows performing approved moonlighting activities at any hospital/facility other than a Johns Hopkins Medical Institution will not be covered under Johns Hopkins Professional Liability Insurance.  A resident or clinical fellow who intends to engage in moonlighting activities at hospitals/facilities other than the Johns Hopkins Medical Institutions must ensure that he/she will be covered by professional liability insurance at the location at which the moonlighting activities take place.  NOTE: Even though moonlighting hours at a participating institution count toward compliance with the ACGME work hours guidelines, the resident/clinical fellow is not covered by Johns Hopkins professional liability insurance for moonlighting activities at a participating institution unless that institution is one of the Johns Hopkins Medical Institutions, including the Johns Hopkins Hospital, Johns Hopkins Bayview Medical, Johns Hopkins Medical Services Corporation/Johns Hopkins Community Physicians, Johns Hopkins Howard County Medical Center, Suburban Hospital, Sibley Hospital, and All Children’s Hospital.

For questions about professional liability insurance coverage, please contact the JHHS MCIC Insurance Program Manager.