The world of professional liability insurance is vast, covering a myriad of industries and professions. But medical malpractice insurance is a very specific type of liability insurance that pertains to certain medical professionals. These are the types of people who need medical malpractice insurance.
Doctors and Physicians
Whether you are an MD or DO, as a doctor, you must have medical malpractice insurance. In fact, this insurance coverage is required by most states for all practicing physicians. The main reason this insurance is necessary for any medical professional, but especially doctors, is because they interact with patients to a large degree, planning treatment and administering care. Without coverage, any medical mistakes could cost these professionals their careers.
You may be thinking to yourself, do nurse practitioners need malpractice insurance? The answer is yes! Just like MDs and DOs, NPs also need to have proper insurance coverage. They play just as important a role in medical care, and in some places, work independently of doctors altogether.
Physician’s assistants, or PAs, are those who work alongside surgeons and physicians to provide medical treatment. Since many physician assistants operate underneath a practice or hospital with malpractice insurance, they often assume it will cover them as well. However, this is usually not the case and could ruin a physician’s assistant’s career. Insurance for hospitals or other medical offices holds the facility as their first priority, not the employees, such as the PAs. That is why physician assistants need to have their own malpractice insurance.
Certified Registered Nurse Anesthetists
CRNAs perform critical functions in the medical field and interact with patients in deeply influential ways. Because of their role, they need to have a quality medical malpractice plan. Without it, CRNAs could face significant financial strain if a claim is made against them.
Other medical professionals, such as chiropractors and dentists, should also be included among the people who need medical malpractice insurance. Like the others above, they are in control of patients’ bodies, thus opening the possibility of damaging them. If you work in the medical field and are worried about your insurance coverage, get in touch with your employer’s insurance provider today, and see what you need to do.