When a patient is harmed by a doctor or medical professional due to incompetence or negligence, a malpractice claim may result. The rules on filing malpractice lawsuits vary by state, but in general, all of the following must be provable:
Existence of a doctor-patient relationship
Negligence in diagnosis or treatment
Injury caused by the negligence
Specific damages or harm resulting from the injury.
Get insurance. At a minimum, it is prudent for any small business to have a Business Owner’s Policy. However, because there are unique risks that come with industries in the medical field, healthcare professionals would be wise to consider additional coverages.
There is no one-size-fits-all solution, so get advice from an attorney to determine your level of risk and exposure, and work with a company that specializes in medical malpractice coverage. Start by visiting your state’s department of insurance.
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