Malpractice insurance is, unfortunately, a requirement in many professions. Our guide explores the most common professions that utilize malpractice insurance below.
The most common profession for malpractice insurance is the primary physician in medical treatment. It’s easy to see why—healthcare often comes with life-and-death stakes, and if a physician makes a diagnostic or therapy error, it could lead to severe patient suffering or death.
That’s why liability insurance for healthcare facilities is essential for any hospital or care facility with primary physicians—it’s only a matter of when, not if, a malpractice claim is filed. Doctors are incredibly skilled and educated but still make mistakes like the rest of us. Without sufficient coverage, one physician’s mistake could cost them and the healthcare facility they practice in.
Attorneys & Lawyers
It’s not just medical professionals who have to worry about malpractice—legal professionals often face malpractice claims too. If a lawyer’s client is unhappy with their care and services, they can file a malpractice suit for damages in the thousands or millions of dollars. While malpractice insurance isn’t required in some states, it’s vital for practicing attorneys to have some form of liability insurance.
Examples of why a client may file a malpractice claim against their attorney include:
- Failing to disclose a conflict of interest
- Not communicating with the client
- Missing court dates
- Missing statutes of limitations
When a court case could decide a person’s life and liberty, lawyers can become targets for litigation afterward.
Nurses may not have the same diagnosis and treatment responsibilities that a primary physician may have over a patient, but they handle much of the day-to-day treatment. Since nurses are not as responsible, they’re not as often named in malpractice litigation but still get targeted frequently.
Much malpractice litigation against nurses involves administering medication to a patient—either the wrong drug, the wrong amount, or the failure to administer medication. With nursing personnel stretched thin across the country, nurses will likely face greater malpractice claims in the future.
Nurse Anesthetists (CRNA)
All nurses can face litigation, but one profession facing a growing number of claims is CRNAs. A CRNA works directly with an anesthesiologist to administer anesthesiology and is responsible for their well-being before, during, and after surgery.
CRNAs are in demand now more than ever before as anesthesiology becomes a growing medical field—but with this growth is also an increase in malpractice litigation. Typically, the anesthesiologist is targeted, but CRNAs can be just as culpable if a patient is to suffer or die while administered anesthesia.
The stakes are slightly lower for chiropractors than typical physicians or nurses, but chiropractic malpractice litigation is still common. A chiropractor can be sued if their spinal manipulation treatment harms or immobilizes a patient or if they fail to diagnose an illness or injury in the patient.
Common injuries that result in chiropractic malpractice claims include:
- Nerve damage
- Recurring headaches
- Disc herniation
- Muscle weakness
- Spinal stenosis
These professions are all different, but what they share is that they need sufficient liability insurance to protect them in case of malpractice litigation.