Emergency Medicine News:
We all know how quickly things change in the ED. One minute, you're quietly on your mobile device, the next you're running a code. Ironically, with all the chaos that surrounds our workplace, your laptop, iPhone, smart phone, iPad, or other mobile device may actually be more at risk than your patients are.
All kinds of people move through the ED. Some are more than willing to commit crimes of opportunity. All it takes is for an expensive device to be left unattended for a moment, and it can be gone. Despite what you might assume, not all homeowner policies cover the full value of stolen personal devices, especially ones used professionally.
It only gets worse. If somehow your device crashes to the floor and is rendered unusable, factory warranties won't cover the repairs. Even supplemental policies, the kind offered by many retailers, exclude damage caused by full liquid submersion. (Consider how many people carry cell phones and iPods in their shirt pocket wherever they go, including the bathroom.)
It wasn't until all this was pointed out to me that I looked into the coverage for my devices. There were significant gaps. I became concerned that accidental damage would not only leave me without the use of my laptop or iPhone, but also that sensitive professional data would be compromised or lost, raising liability issues.
My advice is for you to check out your policies for yourself. Considering how important our mobile phones and computing devices have become, the last thing you want is to face an expensive repair or replacement due to something that happened on the job. (In case you're wondering, there are insurance companies that cover mobile devices against theft or virtually any kind of accident. The ones I found were the Worth Group, AppleCare, SquareTrade, and MobileProtect for iPhone. Some of these do not cover theft; some do. The most cost-effective and best covered for theft was from the Worth Group.
AppleCare costs $69, and has no deductible. Pros: It extends basic coverage with an additional year of coverage. Cons: It does not cover theft, loss, or accidental damage.
SquareTrade iPhone insurance costs $99 with a $50 deductible for accidental damage, and covers the device for two years. Pros: Two years of coverage. Cons: Does not cover against loss or theft.
MobileProtect for iPhone: $12 per month, but must buy within the first 30 days of acquiring your iPhone. Pros: Covers theft and loss. Cons: Must buy within 30 days.
The Worth Group: Cost $55 for12 months, and you can add coverage at any time. Pros: Unlimited replacements and repairs. Covers theft and loss.
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