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Professional liability insurance
Morsal R Tahouni1, Joseph H Kahn
1Department of Emergency Medicine, Boston Medical Center, Boston University School of Medicine, 1 Boston Medical Center Place, Boston, MA 02118, USA.
Emergency Medicine Clinics of North America
|November 26, 2009
Summary
Emergency physicians must understand professional liability insurance, including policy types, coverage limits, exclusions, and claims handling. Evaluating these factors ensures adequate protection and informed decision-making for medical professionals.
Area of Science:
- Medical Professional Liability
- Risk Management in Healthcare
Background:
- Emergency physicians face unique practice risks.
- Understanding professional liability insurance is crucial for financial and professional protection.
Purpose of the Study:
- To guide emergency physicians in evaluating professional liability insurance policies.
- To highlight key policy components for adequate coverage.
Main Methods:
- Review of essential professional liability insurance features.
- Analysis of policy elements relevant to emergency medicine.
Main Results:
- Key considerations include insurance type, claims-made details (tail coverage), liability limits, exclusions, and insurer financial strength.
- Policy provisions regarding legal defense (attorney provision, fee coverage, choice of counsel) and settlement consent are critical.
Conclusions:
- Emergency physicians should thoroughly assess all aspects of their professional liability insurance.
- Informed evaluation of policies ensures appropriate coverage and risk mitigation.
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