Malpractice liability insurance is a type of insurance specific to certain professions, such as the medical or legal industry. For these individuals or companies, malpractice liability insurance provides protection against claims that they have caused harm to their clients via negligent behavior, treatment or advice. These policies also provide protection against claims that intentionally harmful decisions were made during the course of treatment or service.
Who Needs Malpractice Insurance?
Malpractice insurance can extend to other members of the healthcare field—in essence, any individual who is involved in the direct care and treatment of a patient should be covered by malpractice liability insurance. These could include:
- Dental hygienists
- Dental assistants
- Registered nurses (RNs) or LVNs
- Nurse practitioners
Although many of the aforementioned may be covered under their employer’s malpractice insurance plan, it should always be kept in mind that these policies are created to protect the policy holder’s interests first and foremost. Those who operate independently should definitely look into their own coverage, and having professional liability coverage over and above your employer’s policy is never a bad idea.
Since the premiums for malpractice liability are dictated by geographical region, rates can often be quite high even if the insured has never had a claim against them. King Street Agency has been insuring professionals in the Charleston area for more than a decade, providing peace of mind for our local medical and legal specialists.