Professional Liability Insurance Coverage
The professional liability insurance is purchased by the Athletic Training Program for all Athletic Training Students who are participating in clinical rotations. This policy is a “blanket” coverage plan through MARSH Affinity Group Services. Athletic Training Students are only covered while participating in their clinical rotations required as part of their curriculum. However, this does not cover personal vehicle travel to and from affiliated sites, practices, and games. It must be understood by the Athletic Training Student that they are in an educational environment and any actions or inactions they take may result in the further injury of the athlete/patient. Therefore, it is very important that a Certified Athletic Trainer be supervising at all times to intervene (see Supervision Policy). However, should an incident occur where the Athletic Training Student causes further harm to an athlete this policy is also in place to cover the injuries sustained by the athlete/patient. Any incident regarding an athlete/patient’s injury must also be reported within the first 48 hours to the supervising athletic trainer, the Clinical Education Coordinator and Program Director. First aid is to be initiated and an incident report filed. The AT Program Director will make decisions regarding the referral of the athlete and filing a claim with the liability provider. It is also recommended that the student have their own individual liability insurance policy in addition to what the AT Program provides.