Malpractice Insurance for Paramedics

Paramedics deliver front-line emergency medical care in unpredictable and high-stakes environments. Their ability to stabilize critically ill or injured patients before they reach the hospital makes them an essential link in the healthcare system—but also exposes them to significant professional risk if an outcome goes wrong.

Homewood Insurance helps paramedics secure tailored malpractice and general liability coverage that reflects the realities of pre-hospital medicine—from airway management and medication administration to patient transport and mobile integrated healthcare.

This page explains:

What Insurance Includes – a clear overview of Professional and General Liability protections for paramedics.
Cost of Coverage – typical annual premium ranges and factors influencing pricing.
Higher-Risk Procedures – interventions that elevate premiums or trigger carrier scrutiny.
Why Work With Homewood – how we help paramedics secure comprehensive, competitively priced coverage.

Get a Free Quote Now

The fastest way to find the most suitable insurance coverage for paramedics is to fill out our quick quote form, so we can give you an idea of the type of insurance coverage that best suits you.

Homewood Insurance works with a number of different carriers to ensure you have the most suitable insurance coverage at the best price.

Malpractice Insurance for Paramedics can include:

Defense for emergency response, field triage, and pre-hospital medical care.
Protection for airway management incidents, medication errors, and patient transport issues.
Coverage for documentation mistakes, refusal-of-care disputes, and decisions made under medical direction.
Applies to 911 responders, interfacility transport, community paramedicine, and mobile crisis teams.
Optional extensions for telehealth, extended care programs, or cross-state deployment.
Policy limits up to $1M per claim / $3M aggregate, with tail and prior-acts protection available.

More Information

Insurance for Paramedics can include:

Paramedics operate in one of healthcare’s most unpredictable environments, where decisions are made in seconds and documentation must withstand legal scrutiny. While many are covered under employer group policies, individual paramedics often purchase personal malpractice coverage to protect against uncovered incidents or off-duty service.

Professional Liability (Malpractice Insurance)

Covers alleged errors, omissions, or negligence during emergency response, patient assessment, treatment, and transport.
Legal defense and settlements for claims tied to airway mismanagement, incorrect medication administration, or failure to stabilize
Protection for decisions made under medical direction, deviations from protocol, or refusal-of-care documentation.
Applies to paramedics working in 911 response, critical care transport, disaster relief, and community paramedicine.
Includes coverage for electronic charting, report handoffs, and documentation accuracy.
Policies offered on occurrence or claims-made basis with limits up to $1,000,000 per claim / $3,000,000 aggregate, including tail coverage and prior acts protection.

General Liability Insurance

Covers third-party bodily injury or property damage unrelated to medical care—such as vehicle accidents, slips/falls during patient movement, or equipment damage.
Includes personal and advertising injury, such as privacy violations or defamation.
Separate occurrence limits for EMS agencies, fire departments, or private ambulance companies.
Medical payments coverage and legal defense costs outside the liability limit.

Recommended Add-ons

Cyber liability Insurance – for data breaches and compromised ePCR systems.
Sexual Abuse and Molestation Insurance (SAM) – for community care or behavioral response units.
Regulatory defense – covers licensing board investigations, HIPAA violations, and protocol reviews.
Excess or Umbrella coverage – for municipalities or agencies requiring higher limits ($5M–$10M).
Employer Liability or Hired/Non-Owned Auto – for agency-owned or leased vehicles.

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The Cost of Paramedic Malpractice Insurance:

Premiums are influenced by specialty mix, litigation environment, facility size, and claims history. Carriers also evaluate risk management protocols such as credentialing, peer review, and informed consent.

Entry-level / Basic EMS (claims-made): $69 – $250
Experienced ALS Paramedic: $300 – $800
Critical Care / Flight Paramedic: $1,000 – $3,000
Supervisory or Multi-State Role: $3,000 – $5,000+

Cost Influencers:

Call volume and setting (urban, rural, or interfacility).
High-acuity procedure mix (airway, RSI, trauma).
Claims or incident history.
Supervisory responsibilities or medical direction.
Occurrence vs. claims-made coverage, tail needs, and optional endorsements.

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High-Risk Procedures and their Impact on Your Premiums

While coverage is widely available for accredited operations, certain practices increase premiums or risk outright refusal. These include experimental tissue handling, inadequate donor screening, storage/transport errors, or poor compliance history.:

Activity / Exposure	Why It’s Higher Risk	Controls Required
Endotracheal Intubation (including RSI)	Errors such as esophageal intubation, failed placement, or prolonged hypoxia leading to brain injury or death.	+30–50% PL surcharge; some carriers require RSI success audits and airway certification.
Medication Administration	Incorrect dosing, wrong route, or failure to check allergies; frequent claim source across EMS litigation.	+20–40%; mitigated by protocol adherence and electronic verification systems.
Chemical or Physical Restraint	Adverse sedation events or positional asphyxia during restraint; potential civil rights allegations.	+25–60%; requires de-escalation training and joint policy with law enforcement for high-risk calls.
Patient Transport & Stabilization	Claims for delayed response, poor spinal immobilization, or abandonment before transfer.	+10–30%; mitigated by telemetry tracking and strict handoff documentation.
Needle Thoracostomy / Cricothyrotomy	Invasive emergency procedures with potential for vascular injury or infection; rare but high-severity events.	+40%+; typically limited to advanced practice paramedics with procedural logs.

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Other types of Insurance Paramedics may need

Homewood can often combine different different types of coverage into one policy.

General Liability Insurance

General Liability covers medical expenses and attorney fees which result from bodily injuries and property damage that your facility or organization could be legally responsible for.

Professional Liability Insurance

Professional Liability Insurance overs any negligence or mistakes made by the individual paramedics during their practice. It differs from General Liability insurance, which covers the practice itself.

Sexual Abuse and Molestation Insurance

Provides coverage for your organization against claims arising from alleged sexual misconduct or molestation by an employee or other representative of your organization.

Commercial Property Insurance

This protects your organization against damage or loss to your buildings, equipment, and other property, which can happen as the result of various risks such as fire, theft, or vandalism.

Workers’ Compensation Insurance

WWorkers Compensation Insurance is usually mandated by law. It protects paramedics practices and employees in case of work-related injuries or illnesses.

Cyber Liability Insurance

Covers you against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online system to fix vulnerabilities as part of this policy.

Why Work With Homewood

Homewood specializes in high-liability emergency and critical-care roles, including EMS, flight medicine, and trauma response.
Access to 100+ carriers offering coverage for both employed and volunteer responders, including portable Good Samaritan and off-duty extensions.
Guidance on claims-made vs. occurrence policies, tail coverage, and integration with employer-provided insurance.
Assistance securing affordable coverage for community paramedicine and mobile integrated health programs.
Active monitoring of litigation trends in EMS to keep your coverage current and competitive.

Call 947-274-3093 or Fill Out the Form

Ralph Schiller

Ralph specializes in sourcing the most suitable insurance for Paramdedics at the best price. You can call him or fill out the form and he will get your message directly.

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