What type of insurance would a doctor require to cover liability arising from professional services?

A doctor would require malpractice liability insurance to specifically cover liability arising from the professional services they provide. This type of insurance is designed to protect healthcare professionals from claims made by patients who allege neglect or failure to provide adequate care that leads to injury or damage.

Malpractice liability insurance is crucial for doctors as it not only covers legal defense costs but also any settlements or judgments awarded to the plaintiff, should claims arise from alleged malpractice. This insurance provides peace of mind, allowing doctors to focus on their patients without the constant worry of personal financial ruin due to a claim.

The other options do not provide the same level of coverage tailored to the risks associated with medical practice. For instance, personal injury liability policies generally cover a broader range of personal injuries but do not specifically target the unique challenges faced by medical professionals. Errors and omissions liability insurance is more commonly associated with professions like real estate or consulting, which may involve advice or recommendations rather than direct patient care. Medical expenses insurance is intended to cover the costs of medical treatment for patients but does not offer protection for the healthcare provider against claims from those patients.