Before You Begin Moonlighting...
Better Take a Close Look at the Medical Malpractice Liability Issue!

Why do I need a separate policy for moonlighting?
Practicing medicine in today’s highly litigious environment can be like walking through a legal minefield. Unfortunately, most hospitals and clinics do not provide medmal insurance for residents moonlighting outside their own residency programs. That means it’s up to you to arrange for your own professional liability coverage.

Is moonlighting coverage expensive?
The SCPIE Companies—leaders in healthcare liability insurance for more than three decades—offer a special insurance program that provides moonlighting residents with solid protection at a rate 85% below what established physicians pay!

What happens when I begin my practice after completing my residency and moonlighting? Will I need to pay for tail coverage?
At the end of the policy period, SCPIE will provide you with free tail coverage, saving you even more money. Under this vital extended reporting endorsement, you’ll be covered for any incident that occurred while your SCPIE policy was in effect, but that did not become an actual claim until later.

And once you complete your residency and begin your first year in full-time practice, SCPIE will offer you a 75% new-to-practice discount off of our first-level step rate for medmal coverage—so you’ll pay only a small fraction of what more-established doctors pay! After that, the discount will be 50% during the second year and 25% during the third.

To learn more and receive a free, no-obligation premium estimate for our coverage for moonlighting residents, click here.