Here's my understanding on malpractice insurance:
The lawyers go for the "deep pockets".
1) Dr.'s who aren't employeed by the hospital, but, contracted to work in the hospital. Therefor they carry their own insurance.
2) th hospital which as a for profit organization will have some money.
As en enployee OF the hospital you won't be independently sued.
There just isn't enough gain.
However, if you have your own malpractice insurance you can be sued independt of the hospital. Because you have the big insurance company behind you, you now have more "worth" financially.
If you are independently named it will be primarily your (and your insurance company) responsibility to defend you. You may or may not get much assistance from the hospital lawyers.
And I have heard of cases ( not sure weather it is true) where the hospital turns around and sues for their expences.
If the insurance company defends you, you may still be liable for a certain amount of expences. And, there for loose the very things you are trying to protect.
So, for these reasons I don't carry my own insurance.
