Registered Psychiatric Nurses, Partnering with People
When the insured is an employee of a hospital, nursing home or other employer and such employer has other insurance against a loss covered by this policy, your professional malpractice liability insurance shall be considered secondary and non-contributing insurance. Only after claims against the employer’s insurance have been exhausted shall the professional malpractice liability insurance be liable.
When the insured is self-employed then this professional malpratice liability insurance becomes primary coverage. RPNAS members who are in Private Practice or on contract for services must identify themselves as such to the Association so they can be listed as a member receiving primary coverage.
Therefore, if you are an employee, this professional malpractice insurance is secondary coverage. If you are self-employed, this professional malpractice liability insurance is primary.