Drug Formulary. Prior Authorization. Most health plan Drug Formularies have procedures to limit or restrict certain drugs. This is done to encourage doctors and patients to use these drugs appropriately, for the safety and best interest of all members. Most often, these drugs have safety issues, a high potential for inappropriate use, or have lower-priced alternatives on the formulary.
The distinction between an employee and independent contractor is critical because companies are generally liable for actions of employees, as long as those actions are performed within the scope of the employment relationship. However, companies are not generally liable for the actions of independent contractors.
1 Your PLI policy should cover contractors/subcontractors working for you away from your premises unless the contractors/subcontractors have their own PLI with the same level of cover. 2  If contractors/subcontractors are working on your behalf, check they have appropriate insurance.s well as employment rights, tax and health and safety, you should consider liability insurance when you engage contractors or subcontractors: 1  If you have employees, you need employer's liability insurance. 2  However, non-employees-such as contractors-aren't covered.