Coverage for specialists in various professional fields. Since basic liability policies do not protect against situations arising out of business or professional pursuits, professional liability insurance is purchased by individuals &/or companies who hold themselves out to the general public as having greater than average expertise in particular areas.
Negligence or wrongdoing by a medical practitioner, or the failure to exercise the customary degree of care, knowledge or skill, can bring about medical claims which are devastating to a physician who does not carry proper malpractice coverage. Such claims result in loss of income, savings and the professional reputation of the practitioner. Coverage is available for physicians, surgeons, dentists, emergency medical technicians and other providers of health care services, including hard-to-place risks due to past claims history.