Professional liability insurance

Abstract

This article introduces the emergency physician to professional liability insurance: the type of insurance, whether it is the only type available in the region, and, if claims-made insurance, whether the tail coverage rate is reasonable; the limits of liability and whether these are appropriate for emergency medicine in the region; the policy exclusions and restrictions; the insurance company's financial strength; whether an attorney is provided for a claim, whether fees are covered by the policy, whether they are subtracted from the policy limit, whether the physician can choose a defense attorney, and whether the physician's consent is required for the insurance company to settle a case.