There are many companies out there that sell Malpractice coverage.

You just have to check with another insurance company.

A medical assistant when working under the supervision of a employing physician should be covered under the employers insurance.

The assistant could still get their own malpractice coverage though if additional security or a higher coverage limit is desired.

Yes, In New York, that is true for medical professional liability.

It is different for each State. The cost is greatest in Los Angeles, and New York City. Lowest in North Dakota.

$1 million/$ 3 million limits are pretty standard.

In order to prove a medical malpractice case, four things must be addresseed and proven. These are duty of care, breach of duty, injury as a result of breach, damages as a result of the injury. The article below goes into more specifics about proving each element. It also must be a certain type of medical professional.

The 1099 only represents that the Attorney is working on a contract basis (self Employed) rather than as an employee.

If the attorney is in fact a self employed independent contractor then this likely means that no coverage is afforded by the employer. If this is the case, then it would be a good idea for the Attorney to get some Malpractice or Professional Liability Insurance so there will be coverage in the event of a malpractice suit. Otherwise the attorney will be out of pocket for any related expenses in the event of a claim.

The 1099 itself has no bearing on the attorneys need for Malpractice or professional liability coverage. It only indicates that he or she is a sel employed independent contractor.

The one that gives the best quality product at the best price.

Quality is a function of policy service, claims service and, I believe, risk management analysis and education.

Before shopping, understand the difference between claims made and occurrence policies. Claims made will be cheaper in your first year, but you need to understand tail coverage. The costs are about equivalent in the long run when you consider the tail coverage.

There are very few carriers out there. Talk to your state professional association about what carriers operate in your state. They may also have a group discount for members, as may some of the national NP associations.

In some setting, you can be added onto the group's policy as a named insured, but you may choose to carry your own.

For a more personal answer, I've had NSO and now I have CMF.