If you’re working as a 1099 independent contractor, malpractice coverage becomes a personal responsibility rather than something automatically provided by your workplace. Unlike employees who may be covered under an employer’s policy, contractors typically need to carry their own insurance to ensure they’re protected in case of a claim.
As a 1099 contractor, you’re not considered an employee of the clinic or medical spa. This distinction is important because most employer malpractice policies are designed to cover employees only — not independent providers. While some clinics may extend their policy to include contractors, this is uncommon and can leave major gaps.
If you rely solely on the clinic’s policy and a claim is filed against you personally (not just the business), you could be left without defense or settlement coverage. Having your own malpractice policy ensures:
Personal liability protection — you’re covered for claims naming you directly.
Portability — your coverage follows you wherever you work, even across multiple locations.
Control over limits — you decide the amount of protection you want, instead of relying on whatever the clinic carries.
Continuity — if you switch clinics or stop working with one, you remain covered (especially if you add tail coverage for past work).
Some states and licensing boards even require independent practitioners to hold their own malpractice policy regardless of where they contract.
If you’re an independent contractor (1099), you are typically not covered by the facility’s malpractice insurance. That coverage usually only extends to W-2 employees.
Working without your own coverage can leave you personally liable if a claim arises. Some facilities may also require proof of individual insurance before you can work with them.
Always confirm whether the facility provides malpractice coverage for contractors; if they don’t, it’s important to purchase your own policy.
Financial Protection – Safeguards you from personal liability in case of a claim or lawsuit
Professional Independence – You’re not reliant on a facility’s policy, so you stay covered wherever you work
Contract Compliance – Many facilities require proof of individual coverage before contracting with you
Peace of Mind – Focus on your work knowing you’re protected if something goes wrong
Book some time with us to find out how you can get better coverage with Juno
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