Professional Liability
The policy that responds when a patient alleges your treatment caused them harm. In this book it is the foundation, and for most practices it is the only thing they buy.
The claim that actually happens
A filler patient develops a vascular occlusion
The treatment was within standard of care and the practitioner was trained. What decided the file was whether hyaluronidase was documented as on site and whether the consent named vascular occlusion as a risk. Neither of those is a clinical question. Both are documentation.
What it responds to
- Alleged negligence in the delivery of a declared procedure
- Defense costs, which usually exceed the indemnity
- Vicarious liability for employed and contracted providers
- Medical directors, unless providing direct patient care
- Good Samaritan acts
- Peer review and licensing board defense, on most forms
What people assume it covers, and it does not
- Anything you perform that was not declared on the application
- Employment disputes with your own staff, which is EPLI
- Damage to your own equipment, which is property and equipment breakdown
- Data breach of patient records, which is cyber
Who usually does not have this
Nobody. Every practice has this. The gap is almost always in what was declared on it, not in whether it exists.