Module 17: Advanced Medical Professional Liability

This module builds on basic concepts of the introductory module to Medical Professional Liability Insurance (C-07-MPL). It focuses on the three main segments of medical professional liability – hospitals and healthcare facilities, physicians, and allied healthcare professionals – and introduces a wide variety of medical professional liability exposures. There is a discussion of miscellaneous healthcare facilities, in particular ambulatory surgery centers, and the special exposures they represent. The module gives long term care facilities separate treatment, exploring their evolution, history and broad spectrum of exposures. The various categories of allied healthcare professionals mentioned in the introductory module, including pharmacists, nurse practitioners, physician assistants, psychologists and social workers, are given more detailed analysis. Various types of managed care organizations, sources of their liability, and underwriting and rating considerations are explored. Hospital D&O liability has its own unique characteristics, so a chapter is devoted to the healthcare industry D&O environment, sources of D&O claims in a hospital setting, and underwriting considerations. The module summarizes medical professional liability claims, risk management, and emerging medical professional liability exposures.

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