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. This Coverage Identifier can help you learn about the types of insurance healthcare professionals typically use to protect their businesses.
- 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.