What does the physicians, surgeons, and dentists professional liability policy cover?

The physicians, surgeons, and dentists professional liability policy specifically covers claims arising from the services provided by these professionals, particularly issues related to their professional skill and judgment. This type of coverage is essential for healthcare practitioners, as it protects them from allegations of negligence or failure to perform their duties to the expected standard of care. Such policies help cover legal costs and any settlements or judgments that may arise from claims made by patients due to perceived deficiencies in the care they received.

The nuances of professional liability coverage distinguish it from general liability coverage, which is more focused on property damage or bodily injury claims unrelated to professional services. Thus, claims involving personal injury and workers' compensation also fall outside the scope of this specific policy. In summary, the focus of this type of insurance is to safeguard healthcare professionals against risks directly tied to their specialized skills and judgment.