Our church would like to offer blood pressure checks by volunteer registered nurses who have their own professional liability insurance. Does the church need additional liability coverage over and above what's provided through our general liability coverage?
You've raised an important question, as many churches today are developing health care ministries to address the health or wellness needs of church members or the community at large. These medical ministries are intended to use the skills of volunteer medical professionals to offer such services as blood pressure screening, vision exams, cholesterol testing or simple check-ups.
How does insurance apply to these ministry health care operations? As you might expect, it depends to some extent on the church's insurance policy. Typically, individual medical professionals will not be covered under a church's general liability policy unless a special endorsement is purchased that specifically covers medical malpractice. But a separate malpractice policy is typically not required for the church itself.