Medical College of Wisconsin Affiliated Hospitals, Inc.
Professional Liability Insurance
MCWAH provides professional liability insurance for the residents and fellows it employs. Residents and fellows who are not licensed in Wisconsin are covered by MCWAH’s corporate policy. Residents and fellows who are licensed in Wisconsin have individual limits. They will receive a certificate of insurance for professional liability after they become licensed and then each year thereafter. The certificate of insurance contains the policy number, the type of insurance and the coverage limits of the policy. Residents and fellows should retain all certificates of insurance in a permanent file as they will be needed throughout their professional career. MCWAH and each of its employed, licensed physicians have limits of $1,000,000 per occurrence/$3,000,000 per aggregate loss per year. Professional liability insurance covers legal defense costs, jury awards or settlements and other expenses related to malpractice claims and lawsuits. Professional liability insurance also pays for legal costs incurred for testifying in a deposition and responding to inquiries by the Medical Examining Board.
MCWAH pays the Wisconsin Injured Patients and Families Compensation Fund (Fund) for excess malpractice insurance for losses above the primary insurance policy limits for itself and each licensed resident and fellow. The Fund is administered by the Office of the Commissioner of Insurance of the State of Wisconsin.
The malpractice insurance policy that MCWAH provides covers residents and fellows while they perform duties within the scope of their training program except when they rotate to the Milwaukee County Behavioral Health Division (BHD) or to the Zablocki Veterans Affairs Medical Center (VAMC). Housestaff rotating at BHD fall under the statutory provisions which govern liability lawsuits against Milwaukee County. Housestaff rotating at the VAMC are covered under the Federal Tort Claims Act and the U.S. Government is responsible for malpractice liability at the VAMC.
MCWAH's malpractice insurance policy does not cover moonlighting outside of the training program. Liability insurance for moonlighting is the individual's responsibility.
Residents and fellows do not incur any expense for professional liability insurance and they never need an extended endorsement insurance policy (“tail”) after they leave their training program.
See Section on Verification of Liability Insurance and Claims History.