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Liability Coverage

Why is Medical Professional Liability Coverage important?

  • US medical liability insurance usually does not cover the medical professional once he/she leaves US soil.
  • Medical professionals are often called upon to administer medical care to fellow travelers or team members on airplanes and in international airports.
  • Media access in even the remotest locations has increased knowledge of medical malpractice litigation as a lucrative endeavor.
  • Churches and others can be included in malpractice litigation brought against an individual medical professional.
  • In many countries medical professionals may be imprisoned if unable to pay retribution to the patient’s family in the event of death or severe injury.

What is available?

  • Medical Professional Liability coverage is available by participation in the International Helpers (Guernsey) Trust that is facilitated by Gallagher Charitable International Insurance Services (formerly Adams & Adams International).
  • Coverage is available for physicians, dentists, chiropractors, physician assistants, nurse practitioners, registered nurses, pharmacists, physical therapists, occupational therapists and various medical technicians.
  • All medical care that is given outside of the US and Canada, and is within the practitioner's level of certification, is covered.
  • Individual physicians, surgeons, nurses and various medical technicians or groups of these people stationed abroad for long periods may participate in an annual arrangement.
  • Legal suits can be filed anywhere in the world including the US.

How to obtain coverage?

  • Contact Gallagher Charitable International Insurance Services –
  • The International Helpers (Guernsey) Trust website requires a User Name and Password to participate in the Trust. This will be assigned by Gallagher Charitable International Insurance Services.
  • A short Group Short-term Medical Professional Volunteer Enrollment and Participation Agreement must be completed.
  • For medical teams the medical professionals names must be submitted prior to the trip with the following information:
    • Name
    • Date of birth
    • Contact information
    • Dates of the trip – number of days
    • Medical license number
    • State of licensure
    • DEA number (requested on the International Helpers website but is not required) HealthCare Ministries does not supply this information.
    • Nature of practice
    • License in good standing?
  • A check for the total team expense must be made out to “RIL Administrators” and mailed to Gallagher Charitable International Insurance Services
  • The registration information and Trust payment will be sent on to International Helpers by Gallagher Charitable International Insurance Services
  • A confirmation form the Trust including all the names and medical professionals’ information will be sent

(Field Ministries/Insurance/Medical Liability 05'10)