Locum malpractice insurance

Locum malpractice insurance is the professional liability coverage that protects a cardiologist during temporary hospital or clinic assignments—and often after them if the policy is claims-made.

For cardiology locums, confirm whether coverage is occurrence or claims-made, who is the named insured (facility, agency, or you), policy limits, covered procedures (STEMI, EP lab, structural), and who pays for tail when the assignment ends.

Occurrence policies generally do not require separate tail; claims-made policies do. Gaps here are one of the most expensive post-assignment surprises physicians face.

Use this as an educational checklist before signing—not legal advice. Pair it with our contract red-flag checker and ask a healthcare attorney to review exact policy language.