What’s the difference between employer-provided malpractice insurance and individual professional liability insurance?

On the surface, the main difference is who pays the premium.  However, if you dig deeper into the policy details, there could be many differences.  For example, in the event of a claim who makes the decision on whether the claim is settled or defended?  The policy will dictate whether that authority rests with the provider, the employer, or the insurance company.

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