01.Core Concepts

Professional liability insurance is available for certain business professionals to provide protection against a lawsuit involving a substantial error or omission The physicians, surgeons, and dentists liability coverage form covers these professionals for acts of malpractice or omission resulting in harm or injury to patients The injury must result from a medical incident The policy also covers the physician for liability arising out of negligent acts of an employee Current forms permit the insurer to settle a claim without the physician’s or surgeon’s consent