Which type of protection do physicians typically carry to cover professional claims?

Which type of protection do physicians typically carry to cover professional claims?

• A. Auto Insurance
• B. Homeowners Insurance
• C. Malpractice Insurance
• D. Health Insurance

Answer: (C)

Protection against legal claims arising from medical care is provided by malpractice insurance. This professional liability coverage is specifically designed to address allegations of negligence, errors, or omissions in a physician’s treatment, and it covers defense costs as well as any settlements or judgments that result. It targets the risks unique to practicing medicine, rather than protecting personal property or everyday liabilities. Auto insurance handles vehicle-related liability, homeowners insurance covers property and related duties, and health insurance pays for medical care for the insured—none of these are meant to cover lawsuits over professional care. Some physicians choose between claims-made and occurrence-based policies, and may need tail coverage if they switch policies, but the core protection sought for professional claims is malpractice insurance.

Protection against legal claims arising from medical care is provided by malpractice insurance. This professional liability coverage is specifically designed to address allegations of negligence, errors, or omissions in a physician’s treatment, and it covers defense costs as well as any settlements or judgments that result. It targets the risks unique to practicing medicine, rather than protecting personal property or everyday liabilities. Auto insurance handles vehicle-related liability, homeowners insurance covers property and related duties, and health insurance pays for medical care for the insured—none of these are meant to cover lawsuits over professional care. Some physicians choose between claims-made and occurrence-based policies, and may need tail coverage if they switch policies, but the core protection sought for professional claims is malpractice insurance.