How is your malpractice insurance paid (by the employer or by you independently)?
I currently do not have any professional liability insurance.
Normally when a malpractice suit is filed the claim can be filed against both an employer and an employee together or only one of them independently. The decision on which to file against, or whether to include all, is sometimes made on the basis of which party the person who files suit believes they will be most likely to obtain compensation from. Although professionals are liable for their own conduct and knowledge, employers are traditionally liable for actions committed by their employees under their scope of employment (meaning the job they were hired to do).
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