Protect the expertise and advice your practice provides.
Healthcare businesses do more than deliver direct clinical care. Consulting, administration, care coordination, and specialized services can create professional exposures worth examining.
Professional Liability may address certain claims alleging errors or omissions in covered professional services. The policy's definition of services, covered persons, limits, exclusions, and claims conditions determine its scope. A consultant, billing specialist, care coordinator, and clinical provider may perform very different work, so descriptions should be precise.
Medical Malpractice and Professional Liability can overlap in some settings but are not interchangeable labels. Review how professional services, related entities, subcontractors, prior acts, and defense costs are handled. Any change in duties or client agreements should prompt a check that the policy description still matches the work.
Describe the work clients rely on
A clear description of your operation makes it easier to discuss relevant options and requirements.
Questions worth asking
A few useful points to bring into a conversation with a professional.
Is Professional Liability the same as Medical Malpractice?
They may address related professional exposures, but policy definitions and insured services differ. Confirm which form fits the services actually provided.
Can a general liability policy cover a professional error?
General Liability is not typically a substitute for professional liability. Review each policy's scope and exclusions for the specific allegation.
What should a healthcare consultant disclose?
Describe each service, deliverable, client type, contract duty, and any subcontracted work. Accurate details help an insurer evaluate eligibility and policy wording.