Medical liability insurance - Essential protection for healthcare professionals
As a healthcare provider, doctor, dentist or medical specialist you bear great responsibility for the well -being of your patients. Despite the highest care , errors, incorrect diagnoses or medical complications lead to liability claims . With a medical (company) liability insurance you protect yourself and your practice against financial and legal risks, so that you can do your work with confidence.
Why a medical liability insurance?
Errors can have major consequences in the healthcare sector. A wrong diagnosis, a medication error or a complication after medical treatment can lead to damage claims from patients. Without good liability insurance, the costs can rise to tens of thousands of euros in compensation, legal proceedings and reputation damage . A medical liability insurance offers coverage for:
✔ Personal injury- Protection for claims due to medical errors, complications or incorrectly performed treatments
✔ Material damage- coverage in the event of damage to the property of patients or medical equipment
✔ Legal costs- reimbursement of lawyers and litigation costs in the event of liability claims
✔ Damage due to incorrect diagnoses or treatment errors- forgastation as a patient's litigation
With medical liability insurance you prevent financial risks and you can continue to provide care with peace of mind.
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Who is a medical liability insurance suitable for?
✔ Doctors and specialists - Protection against claims by errors or treatments
✔ Dentists and dental hygienists - coverage of damage claims after dental treatments
✔ Physiotherapists and chiropractors injury laims by incorrect therapies
- caregivers nursing
and caregivers - nursing nurses - and nurses - nurses ✔ Clinics - Complete protection for healthcare institutions and employees
A medical liability insurance is mandatory for many BIG-registered professions and is strongly recommended for all care providers.
How do you choose the correct medical liability insurance?
When taking out medical liability insurance, it is important to take into account:
🔹 coverage area - Do you work nationally or internationally? Make sure your insurance covers all locations where you provide care.
🔹 Maximum insured amounts - Ensure sufficient coverage in the event of high damage claims and legal costs.
🔹 Cover for specialist actions - Check whether specific medical procedures and treatments fall under the policy.
🔹 Insurance for self -employed people and healthcare institutions - do you work independently or in a practice? Choose a policy that matches your situation.
With the correct liability insurance you as a healthcare professional can continue to offer the best care without financial risks .
Frequently asked questions about Liability :
What is liability insurance?
With liability insurance you are insured if you are legally liable for damage. For example, if you cycle into a parked car, your cat knocks over an expensive vase or if your children shoot a ball through the neighbor's window. But also if you, your child or pet injure someone. Not every damage is insured. Consider intentional damage or damage caused with a motor vehicle. Rented items are also not covered by your liability insurance. For example, if you rent a sander for that painting job in the house. Or if you rent a party tent for a garden party.
What is covered by liability insurance?
Liability insurance reimburses the damage you cause to other people's belongings. Like the television that slips out of your hands during a friend's move. Or your child who cycles into the neighbor's car. Or if someone else is injured through your fault.
What does liability insurance do?
Liability insurance for private individuals (AVP) covers damage that you or one of your family members causes to someone else when you are not driving a car or other motor vehicle . This applies to damage to property and persons (personal injury).
Do you need liability insurance?
Liability insurance is not mandatory. You can therefore decide for yourself whether you want to insure yourself against damage to others. Dutch people are often over-insured, but this is one in the 'highly recommended' category.Why do you need liability insurance?
You take liability insurance because you want to protect yourself and your family against the risk of liability. You can be held responsible if someone is injured through your fault. But also if you accidentally damage other people's property. Resulting in a claim for damages.
What does liability insurance not cover?
The liability insurance does not provide coverage for: damage to rented items. damage that you have caused intentionally. damage occurred during your work.
Take out medical liability insurance today!
Do you work as a doctor, dentist, physiotherapist or caregiver and do you want to protect yourself against damage claims and legal costs? Then choose a specialist medical (company) liability insurance and prevent financial risks. Compare the best insurance policies now and request a quote immediately!
