Are CRICO physicians covered for professional services rendered outside the Harvard system?
Yes, with some exceptions. Physicians, surgeons, and dentists are covered for medical malpractice for all licensed professional activities of a medical nature wherever performed. Interns, residents, and fellows are insured solely for activities performed within the scope of their formal program and approved affiliations. This specifically excludes coverage for “moonlighting.” However, coverage may be extended to third and fourth-year residents and fellows for services outside the scope of their employment with the express approval of their chief of service as evidenced on the appropriate waiver form. (Most third and fourth-year residents at CRICO-insured institutions are not covered for moonlighting in non-CRICO emergency departments, for exceptions contact your risk manager.) State laws protect all physicians and nurses for “Good Samaritan” activities.
