- are you practicing on an indian reservation, or why do you think your medical liability is governed by federal law ?
- your liability is governed by the law of the state you are practicing in. Look at their regulations. CA and a couple of other states have caps on punitive damages, but you are still liable for actual damage. In cases involving newborns, it's the actual damage (lost lifetime income, medical expenses) that frequently outrun malpractice policies.
- what type of malpractice coverage do you have at this time ? Does your policy cover you outside of your practice in the CHC ?
- examine your contract. Check whether your employment contract obliges you to cover these nurseries. Do you need admitting priviledges at both hospitals ? You have no existing doctor-patient relationship with these kids, unless the constellation of your employment contract and the hospitals call-regulations compel you otherwise, you have no obligation to take care of these patients.
- if you believe that it is unsafe and a violation of the standard of care to attend deliveries at these hospitals, write up your complaints and send them to the medical board of the hospital. It won't 'save' you from liability, but it allways helps to drag as many people down with you as possible (if you can implicate the 8 board members in the case, the combined coverage of yours and their policies might allow you to cover the 10mil verdict without your personal assets beeing at risk.
- make sure to employ a good asset protection strategy. If you have a house, make sure it is exclusively in your spouses name etc.