Allied Health Professional Liability Student Insurance

Coverage Overview

Nursing studentsThe intent of the Allied Health Professional Liability Student Insurance policy is to provide coverage for allied health students for any act or omission in the furnishing of professional healthcare services to a patient or client, including any injuries sustained by a fellow student in the practice of activities that are included in and a requirement of the students' curriculum.

Student Professional Liability (Basic) Coverage

The program provides professional liability (malpractice) coverage for allied health students who are pursuing a degree or certificate in a healthcare profession that will lead to licensure or certification to provide some form of healthcare to the public.

Continuing Education Coverage

The program also provides professional liability (malpractice) coverage for allied health students in continuing education programs. Students may take these courses to enhance their professional status or to brush up on their skills for the state board exam. This coverage is in excess of any other available coverage the student may have.

Who is Covered

Students in Allied Health and Sciences Courses

Students enrolled in allied health and sciences courses at Seminole State are defined as named insureds on the policy, but only while they are participating in activities that are part of and a requirement of the students' curriculum at the College. The policy is a blanket policy for those enrolled in a program of study leading to a degree or certificate in a healthcare profession (nursing, physical therapist assistant, etc.). It covers all course work as long as it is required by the program curriculum.

Faculty members who teach these courses and Seminole State itself are also defined as insureds, but solely with respect to claims arising out of the supervision and instruction of students insured under the provisions of the policy.

Please note: Faculty and College coverage are limited to the supervision and instruction of students only. The policy does not provide coverage for faculty members' malpractice. This program requires faculty members to be licensed by the state of Florida and to carry their own professional malpractice coverage.

Students in Continuing Education Courses

Students enrolled in allied health continuing education courses at the College are defined as named insureds. The policy is a blanket policy for those who have already completed a basic program of study and are returning for refresher courses (usually single-term enrollment).

Continuing education coverage is in excess of any other valid and collectible insurance or coverage provided by the student or the student's employer.

Faculty members who teach these courses and Seminole State itself are also defined as insureds, but solely with respect to claims arising out of the supervision and instruction of students who are insured under the provisions of the policy.

Please note: Faculty and College coverage are limited to the supervision and instruction of students only. The policy does not provide coverage for faculty members' malpractice. This program requires faculty members to be licensed by the state of Florida and to carry their own professional malpractice coverage. 

Nursing student giving vaccine

Who Should Consider Coverage

  • Students enrolled in a program of study leading to a degree or certificate in a healthcare profession who will be providing healthcare services to a patient or clinic under the direction of a Seminole State faculty member as part of the program curriculum
  • Students enrolled in a continuing education course in the healthcare profession who will be providing healthcare services to a patient or clinic under the direction of a Seminole State faculty member as part of the course curriculum

Who Does Not Need Coverage

  • Students who do not and will not provide hands-on healthcare services to members of the public, such as those enrolled in a CPR course that uses classroom mannequins for practice

Enrollment

Allied Health Programs

Coverage for students enrolled in allied health programs is provided by blanket enrollment. In order for students to receive coverage under this policy, Seminole State must report each program of study to be included in the policy. When enrolling students, Seminole State should register the maximum number of students permitted in a course during any given term.

Example: If Seminole State offers an EMT course during the Fall, Spring and Summer terms, and the course has a maximum capacity of 30 students per term, the College should enroll 30 students (not 90).

Continuing Education Courses

Allied health continuing education courses are usually designed for a specific category of students (nurses, EMTs, etc.). Enrollment should be done by approved category, rather than by the names of individual courses. (It would be impossible for the insurance carrier to review each continuing education course.) For continuing education courses offered to students in a variety of disciplines, Seminole State should provide information about each course in an effort to secure enrollment in the appropriate category.

Areas Not Covered

Coverage will not apply to programs of study/professions specifically excluded by the policy. These include:

  • Physicians, surgeons and dentists
  • Chiropractors
  • Osteopaths
  • Nurse anesthetists
  • Nurse midwives
  • Baby sitters
  • Any programs of study not reported on the enrollment form

Reporting Claims

  • Do not admit to liability or advise anyone that you will take care of the matter. Instead, advise the injured person and any other affected parties that you have turned the matter over to the insurance carrier for handling.
  • Keep records and documentation of exactly what happened. Get the name, address and phone number of any witnesses.
  • Complete an Allied Health Incident Report.
  • Complete an Accident-Incident Report.
    Note:
    This form is a sample. An original Accident-Incident Report can be obtained by calling Safety & Security at:
    • Altamonte Springs Campus: 407.404.6100
    • Heathrow Campus: 407.708.4410
    • Oviedo Campus: 407.971.5020
    • Sanford/Lake Mary Campus: 407.708.2178
  • Fax both reports immediately to:

    FCSRMC
    Attn: Barbara Ellison or Roger Hatfield
    Fax: 352.955.2069

For additional policy details, please download the Allied Health Certificate of Insurance.

    Want more info? Contact us.

    Seminole State College
    100 Weldon Boulevard
    Sanford, Florida 32773-6199
    407.708.4722

    Seminole State General Contact Information