What You Need to Know about Liability Insurance

It’s no secret that 2020 has brought new challenges for all fields, but possibly the most impact has been felt by medical and healthcare professionals. Now more than ever, it is important to protect your practice from insurance claims and the liability attached to them. Common claims that professional liability insurance covers are negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice. Professional liability insurance protects your practice against these claims.

Who needs coverage?

Any healthcare professional who is at risk of a medical malpractice suit needs professional liability insurance. Malpractice suits can have devastating effects on your practice. Medical malpractice happens when a patient’s health has negative outcomes as a result of a medical act (e.g., surgical development, a wrong pharmacological prescription). The types of healthcare providers who may need liability insurance include, but are not limited to:

  • Nurse Practitioners
  • Physical Therapists
  • Licensed Practical Nurses
  • Yoga Instructors
  • Personal Trainers
  • Physician Assistants
  • Nurse Anesthetists (CRNAs)
  • Registered Nurses
  • Optometrists

There are steps you can take to reduce your risk of medical malpractice suits. Keeping organized and detailed records, passing along a case you feel unqualified or unprepared for, and always maintaining professional behavior and boundaries are pillars of quality healthcare with minimal liability risk. However, the risk of malpractice is never zero. CARE can help provide coverage when an accident happens.

How can CARE help you?

CARE Professional Liability Association, LLC was founded as an alternative for physicians burdened by rising medical malpractice coverage premiums and the inability to find affordable, satisfactory coverage. CARE helps physicians protect themselves and their practices from loss. CARE is physician focused, agent oriented, and equipped with prudent underwriters and assertive counselors who will assist you during the claims defense process. Contact us at CARE today.


  1. https://acadia-pro.com/know-professional-liability-insurance/
  2. https://calattendingphysicians.com/blog/2019/8/12/5-physicians-frequently-asked-questions-about-medical-malpractice
  3. https://care-ins.com/about/overview/
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