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June 21, 2025
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Who Needs Medical Malpractice Insurance?

Health care professionals and businesses are entrusted with crucial responsibilities. Whether you manage patients’ primary care, provide specialist services, prescribe medications or perform surgeries, any slight error could have dire ramifications. In addition to the potentially catastrophic consequences such issues may have on your patients’ health and well-being, you could also face costly lawsuits. Understanding medical malpractice insurance needs is critical.

What Is Medical Malpractice Insurance?medical professionals working

As a form of professional liability insurance tailored specifically toward those in the health care industry, medical malpractice insurance can provide essential financial security for policyholders. If a provider, company or other health care organization is sued for allegedly providing improper services, such as due to an error during a procedure or a misdiagnosis, policies can offer aid for resulting losses and legal expenses.

Is Coverage Required?

Medical malpractice insurance is often required by law, although exact mandates may vary depending on your unique circumstances. Specifically, where you do business may determine the laws to which you’re subject. For example, in New York, health care professionals are not required to carry coverage except in specific, limited circumstances where a provider has previously been disciplined.

Still, while some health care providers, including many in the Empire State, may not be legally obligated to carry coverage, other mandates may apply. Some organizations may require their doctors to carry their own coverage.

Even in the absence of official obligations, suitable coverage is highly advisable. Without it, you might not have the financial means to defend yourself against allegations, even if you’re innocent of any wrongdoing. The resulting losses and court proceedings could inflict extensive financial harm and destroy your reputation. Lacking coverage might also limit your business’s growth, as some clients may hesitate to entrust uninsured providers with their health and well-being.

How to Get a Medical Malpractice Policy Near Me

At Paris Kirwan Associates, our dedicated team can help health care providers and others in the medical industry understand and address their coverage needs. Contact us today to learn more or compare medical malpractice insurance quotes.

 

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information. 

Categories: Blog, Medical Malpractice Insurance

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