What is Medical Malpractice Insurance? Professional liability insurance explained...

Today, Madison Henson with BriteBee.com helps take the STING out of #Insurance as we cover the question, "What is Malpractice Insurance?"

If you are a medical professional or doctor, #MedicalMalpracticeInsurance is something to think about. It's not only a beneficial investment, but it is LEGALLY REQUIRED in most states.

Medical Malpractice Insurance is a type of professional liability insurance targetted directly to doctors and medical professionals.

HOW DOES IT PROTECT YOU?
Medical Malpractice Insurance will protect you in the event of an injury or death of one of your patients.

DID YOU KNOW?
The majority of medical professionals or doctors in the United States will face at least one medical malpractice lawsuit in their career.

Medical Malpractice Insurance is provided in multiple ways:

You might have to purchase it yourself if you have your own practice OR if you work for a hospital, it is probably provided through your employer. Medical professionals who work for federal agencies, also have malpractice insurance provided through their employer.

WHAT SITUATIONS WILL THIS INSURANCE COVER?
This will cover several expenses involving malpractice lawsuits such as settling and defending. It will also help pay for damages if you're found liable.

THERE ARE TWO TYPES OF MEDICAL MALPRACTICE INSURANCE:

Claims-made insurance: Covers you while your insurance policy is in effect

AND

Occurrence Insurance: Covers an incident after your policy lapses.

Another type of insurance you should consider if you own your own practice is cyber liability insurance. Because medical data is highly regulated and private any breach of this data could lead to a big lawsuit!

Cyber Liability Insurance will cover any hacking or loss of the client's personal data.

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