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Why there is Professional Liability Insurance for a Hospital

It was stuff made of a nightmare when a CO woman was diagnosed with two malignant kidneys and had both removed, only to discover thereafter that the organs had in fact been healthy. The woman tragically died before pursuing a related lawsuit that presumably her family will take up.

RELATED: What type of insurance for an aging facility?

The latest uproar about a doctor in a Fremont CA hospital breaking the news that death is imminent to a patient through a video’s screen on a robot leads not only to heartbreak for the grieving family, but also the recurring question of an associated lawsuit.

Unfortunately, there is no shortage of examples when a hospital is at the receiving end of a malpractice suit.


Hospital Professional Liability Insurance

Professional Liability insurance shields hospitals and medical centers from injury lawsuits that are the result of malpractice or errors or mistakes by staff members.  

This type of coverage will likewise pay for the defense, damages in regard to Court verdicts as well as the fees generated from an out-of-court settlement.

Hospital Professional Liability forms are typically combined with the hospital’s commercial general liability insurance so that any question in regard to what coverage applies is avoided.

It should be noted that independent doctors contracted by the hospital are not covered by the hospitals professional liability policy. These physicians must have their own individual professional liability insurance.

The trained agents at Prime Insurance will be happy to answer any further questions in regard to Hospital Professional Liability Insurance.


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Summary: Every hospital needs professional liability along with its general liability coverage to protect itself and its professional staff members from related malpractice lawsuits.


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