When working in the medical field, you may hear individuals talk about malpractice liability insurance; now, you’re wondering if you may need it. For good reason, surgeons are the most common medical professionals who use and have medical liability insurance due to their nature of work. However, virtually all other medical professions should also have liability insurance because they too can be sued for their actions or work. Did you know some facilities carry medical liability insurance because they may be targeted and considered responsible for their employee’s actions?
Should you be covered by medical malpractice liability insurance?
We suggest the following individuals or facilities be covered:
- Surgeons (of all specialties)
- Physicians (of all specialties)
- Physical therapists
- Primary care physicians
- Nursing employment services
- Medical spas
- Medical facilities
- Other medical facilities and professions
When is your medical liability insurance applied?
If you, as a medical professional, have been sued in your professional capacity, your medical liability insurance will be applied. You will most likely be sued because of a mistake the plaintiff is alleging. In most instances, it’s because of actions outside of the standard of care that are common within your profession. It’s crucial to understand many malpractice claims vary, but some of the most common medical disputes medical liability insurance companies deal with include the following:
- Errors in administering or prescribing medication
- Errors in administering anesthesia
- Childbirth-related injuries
- Misdiagnosis or delay in diagnosis
- Other surgery-related errors
Get Covered With Professional Insurance Solutions
If you’ve been charged with medical malpractice, it’s essential to grasp your medical liability insurance may not be applied if the error made was much more than a simple mistake. For instance, in cases where a medical professional makes a mistake on purpose, the coverage will, nine times out of 10, not be applied to the medical professional at fault. However, please note each coverage policy differs from the next. To discuss all of your medical malpractice options, we welcome you to reach out to us online today.
