Does my employer's malpractice policy cover me, or do I need my own?

Most healthcare employers provide a group malpractice policy that covers employees acting within the scope of their employment. That policy is built to protect the employer first; it usually provides indemnity coverage but may not give you your own defense counsel, may not cover acts outside your employment (moonlighting, volunteer work, telehealth from home), and ends the day you leave that job. An individual policy fills these gaps: it gives you dedicated defense counsel whose only client is you, covers work performed across multiple employers and settings, follows you between jobs, and protects you in board complaints and license proceedings. Many physicians, nurses, NPs, PAs, and allied health professionals carry individual coverage in addition to employer coverage — it's the standard of practice, not double-coverage paranoia.