What type of professional liability coverage will a medical doctor need?

• A. Medical Malpractice Coverage
• B. General Liability Coverage
• C. Property Coverage
• D. Umbrella Coverage

Answer: (A)

Professional liability for physicians is about protecting against claims that medical services caused harm to a patient. This is addressed by Medical Malpractice Coverage, which covers legal defense costs, settlements, or judgments resulting from alleged errors, omissions, or negligence in the practice of medicine. It’s specifically designed for the risks doctors face in patient care.

General liability deals with injuries or damage that occur to others in the clinic or on the premises but not with the professional errors of medical treatment. Property coverage protects the practice’s physical assets like equipment and the building, not patient injuries from medical care. An umbrella policy provides extra liability limits, but it sits on top of underlying coverages and does not replace the need for primary malpractice protection.

So, the most appropriate protection for a medical doctor is Medical Malpractice Coverage.