Not always. Coverage often follows licensure, and the patient's location may govern. Confirm territory before treating out of state.
It determines whether your carrier can settle without your agreement. Settlements are reportable to the National Practitioner Data Bank, so this clause matters to your record.
Usually only through a separate license defense sublimit. Board complaints are far more common than malpractice suits, so confirm the amount.
Not always. Hospital coverage protects the hospital first, shares limits, and ends with your privileges. Many physicians carry their own alongside it.
Occurrence costs more upfront but needs no tail. Claims-made is cheaper initially and expensive to exit. If you may change carriers or retire soon, factor tail cost in now.
