The University obtains its medical malpractice or medical professional liability (MPL) insurance coverage from the Controlled Risk Insurance Company of Vermont (CRICO). The program provides limited claims-made coverage for all professional services of a medical nature performed by physicians, dentists, allied health professionals (technicians, assistants, technologists), nurses (RNs, LPNs), advanced practice clinicians (NPs, PA, CRNAs, CNMs), psychologists, licensed social workers, volunteers, employees, and students. Residents, including dental residents, interns, research assistants, and fellows are also covered under Harvard's MPL program. Harvard operations specifically insured under this program include Harvard Medical School, the School of Dental Medicine, University Health Services, as well as the President and Fellow of Harvard College as the parent organization. Coverage applies anywhere in the world provided that the suit for damages is brought in the United States, Canada, or any US territory. To be eligible for coverage under Harvard MPL insurance, staff physicians must have a full Massachusetts medical license; Residents and Fellows must have at least a limited Massachusetts medical license. As a recognized student organization, the program also extends MPL coverage for medical treatment activities of the CrimsonEMS group.
Internships and Externships
Coverage under Harvard's MPL program also extends to clinical work involving students, typically arranged as part of a formal internship or externship between their School affiliate and an outside host hospital. When negotiating terms for medical internships (non-Harvard students training within a University operated / affiliated clinic or health care facility) or externships (Harvard students training at a non-University affiliated clinic or health care facility), Harvard generally follows the American Association of Medical Colleges (AAMC) convention that necessitates the medical school from which the students come to carry MPL insurance for its students being sent away for training. Similarly, the host clinic or facility is expected to carry its own MPL insurance for its respective staff, employees, partners, students, and agents who might participate in the training. Consequently, Harvard students participating in a practicum or training assignment at a non-Harvard clinic would be insured under the University's MPL insurance program during that assignment.
Indemnification - consistent with the above guidance on insurance coverage terms, recommended practice is that each participating organization will indemnify, defend, and hold harmless the other from expenses, losses, and reasonable attorney's fees to the extent arising from the negligent act or omission of the indemnifying party or any of its staff, employees, partners, students, or agents except that neither party would be liable to the other for indirect, special, or consequential damages resulting from undertaking its obligations associated with the internship or externship.