Malpractice Insurance

Malpractice Insurance

If you are a doctor or a health professional, Malpractice Insurance is necessary to protect you from claims of injury to patients due to alleged negligence

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What is Malpractice Insurance?

It is a type of professional liability insurance that protects doctors and other health professionals against alleged negligence that lead to patient injuries. Canadian physicians, whether they practice privately or with a hospital, are required to have medical liability insurance.

Malpractice Insurance Coverage

What does Malpractice Insurance cover?

These are the common types of negligence claims that are covered:
  1. Failure to attend a patient
  2. Failures in diagnosis
  3. Failures in referral or consultation
  4. Failure to communicate with other physicians
  5. Failure to protect or warn third parties
  6. Substandard treatment
Malpractice Insurance Types

Who Needs Malpractice Insurance?

By definition, any person or clinic who offers professional advice or medical guidance for a fee is a health consultant by definition.

If this is your case, you might be held liable for advice that results in any form of damage or doesn’t yield the promised results.

Without the right insurance coverage, your health practice could suffer severe financial stress due to third-party lawsuits.

Getting malpractice insurance will have you covered and allow you to focus stress-free on running your practice.

Malpractice Insurance Costs

What is the cost of Malpractice Insurance?

The malpractice insurance cost for every health professional will vary depending on the type of practice they engage in. Some types of physicians and practitioners are more likely to face claims than others.

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Which professions require Medical Malpractice Insurance?

Regardless of the type of medical business you run, malpractice insurance is critical:

Common scenarios where Medical Malpractice Insurance is useful

Radiologist mistake

A radiologist misreads an X-ray, leading to misdiagnosis – patient decides to sue.

Physiotherapist mistake

A physiotherapist recommends a shoulder treatment routine that causes further injury to a patient.

Dentist mistake

A dentist does not fully take into consideration his patient’s complains and remarks, leading to misdiagnosis

Frequently Asked Questions about Medical Malpractice Insurance

What is the difference between personal injury and medical negligence (medical malpractice)?

Medical negligence (injuries from medical malpractice) is a form of personal injury. Personal injury claims deal with a wide variety of areas where the claimant suffers an injury through no fault of their own, for example, dog bites and slip and falls. Medical negligence (or malpractice) claims only concern mistakes or carelessness carried out by medical professionals. Medical malpractice claims tend to be a lot more complex and thoroughly analyzed too.

What is the difference between malpractice insurance and professional liability insurance?

Malpractice insurance is a type of professional liability insurance that protects medical practitioners from errors caused by negligence in their service. Most medical practitioners are sued at one point or another in their career. Malpractice insurance is curated to cover the common risks that most doctors and other medical practitioners are likely to face.

What is classified as medical malpractice (or medical negligence)?

Medical negligence refers to a breach of duty by a health professional that results in harm and loss to a client or patient. Negligence can take several different forms, including but not limited to misdiagnosis, incorrect treatment, delay in providing treatment, mistakes in surgery, etc.

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