Common questions about EMTs / Paramedics
Answering the most frequently asked questions about EMTs / Paramedics.
Are volunteers covered under our policy?Gravity Certs2026-08-17T23:42:20-04:00
Not consistently. Volunteer status often falls outside workers’ compensation, so confirm how injuries to volunteers are treated.
Are patient care reports a cyber exposure?Gravity Certs2026-08-17T23:42:19-04:00
Yes. They contain protected health information, and mobile devices used in the field increase breach risk considerably.
Are field treatment decisions covered?Gravity Certs2026-08-17T23:42:18-04:00
Yes, under malpractice. Triage, protocol deviation and transport decisions are the main clinical claim categories.
Do we need umbrella coverage?Gravity Certs2026-08-17T23:42:18-04:00
Almost always. Auto and clinical severity stack, and municipal contracts frequently specify excess limits before you can bid.
What drives the cost of insuring an ambulance service?Gravity Certs2026-08-17T23:42:17-04:00
Auto exposure, not clinical care. Emergency response driving produces the highest severity claims in this class by a wide margin.
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