Gap Insurance

The Federal Tort Claims Act (FTCA) governs nearly all claims against the United States for torts committed by government employees. Under the Federally Supported Health Centers Assistance Act (FSHCAA) of 1991 and 1995, employees of eligible Health Centers funded under the Public Health Service Act can be deemed to be federal employees for purposes of medical malpractice claims.  This program is designed to reduce or eliminate the need to purchase malpractice insurance.

Activities that are outlined in the scope of the approved project(s) are covered.  Activities that step outside of the approved projects are not covered.  As to activities which are outside of an approved project a "GAP" insurance program is recommended to provide insurance coverage for any such activities.  This "GAP" program provides malpractice coverage for the entity and its employees, including physicians.  Normally, entities carry $1,000,000 per occurrence/$3,000,000 aggregate for this policy, although additional limits are available.


IPHCA Springfield Office
500 S. Ninth St., Springfield, IL 62701
(217) 541-7300

IPHCA Chicago Office

542 S. Dearborn St., Suite 300, Chicago, IL  60605
(312) 692-3000