OAR 409-030-0240: Insurance and Liability Coverage

(1) Prior to clinical training, students or health profession programs must demonstrate that students have one of the following types of coverage and that the coverage will remain in place for the entire duration of each placement: (a) Professional liability insurance coverage, and (b) General liability insurance coverage; or (c) Coverage under a combined policy for professional and general liability insurance. (2) Student coverage must have a minimum limit of $1 million per occurrence/ $3 million aggregate for professional liability and minimum limit of $1 million per occurrence/ $2 million aggregate for general liability. (3) A health profession program may offer coverage for students through a self-insurance program or the student may obtain coverage individually. (4) Health profession programs shall maintain records related to insurance and provide them to clinical sites, as requested. (5) Prior to clinical placement, it is recommended but not required that students obtain some form of health insurance coverage, such as personal major medical insurance or Workers’ Compensation insurance provided by the health profession program, and that the coverage remain in place for the entire duration of each placement.