Module 7: Medical Professional Liability Insurance Introduction

Medical Professional Liability Insurance – what it is, who needs it and its history since the mid-1970s – are provided in the introduction to this topic. The module analyzes the use of claims-made versus occurrence policy forms, and basic rating considerations in MPLI. The module reviews the different forms of MPLI utilized for hospitals, physicians, surgeons, dentists, and allied professional employees. Issues impacting the liability of healthcare facilities – charitable and governmental immunity, captain of the ship, borrowed servant – and how they affect vicarious liability exposures are addressed. Basic underwriting and rating considerations for Hospital Professional Liability (HPL) and Physicians Professional Liability (PPL), and their policy forms are reviewed. The final topics explored are roles of and processes found in MPLI or healthcare risk management, clinical risk management and quality assurance.

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