Does malpractice insurance cover telemedicine and care across state lines?
Most current malpractice policies cover telemedicine to patients in states where you are licensed and the policy is admitted. Two failure points show up: (1) treating a patient temporarily in another state where you're not licensed, and (2) carriers that haven't filed in the patient's state. Carriers vary on this — some explicitly cover all 50 states, some cover only the policy's home state plus a few. New York's regulatory framework has tightened around interstate telehealth; we confirm telemedicine coverage scope and state filings on every healthcare placement, especially for practices serving multi-state populations.
- Category
- Business Insurance
- Audience
- Pre-purchase guidance
- Topic
- Professional & Malpractice
Related FAQs
Are owners and officers covered by their own WC policy?
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Read answerDo I need commercial auto insurance?
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Read answerDo I need WC if I only have 1099 contractors?
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Read answerDoes commercial property cover floods or earthquakes?
Almost never — both are standard exclusions in commercial property policies. Flood requires a separate NFIP policy or a private flood policy; earthquake requires either an endorsement (where available) or a standalone policy. NY is not in a high earthquake risk zone, but flood is genuinely material — much of NYC, Long Island, and the Hudson Valley sits in mapped FEMA flood zones, and a single flooded basement can run $100K+ in property and inventory losses. If your premises are…
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