Physicians seeking liability coverage for SM activities
have two basic options: purchase coverage or obtain coverage
through a sponsoring organization. For the most
part, insurance companies do not offer cost-effective
options for SM-specific coverage unless it is a rider to
an existing policy. For stand-alone supplemental SM policies
for emergency physicians, two California malpractice
insurance companies listed approximate annual
coverage costs of $2000–$3500 for a new emergency
physician working part time (