What type of liability insurance does a doctor require for claims related to professional services?

A doctor requires malpractice liability insurance for claims related to professional services because this type of coverage specifically protects healthcare providers against legal claims arising from negligent acts, errors, or omissions in the course of providing medical care. Malpractice insurance is designed to address the unique risks that come with medical practice, such as misdiagnosis, surgical mistakes, or failure to provide appropriate treatment, which can lead to significant financial liability.

General liability insurance, while important for protecting against non-professional claims (like slip-and-fall accidents in a doctor's office), does not cover malpractice claims related to the actual practice of medicine. Product liability insurance is pertinent for manufacturers or sellers of goods and would not apply to services provided by a physician. Directors and Officers liability insurance pertains to the protection of corporate directors and officers from claims against them for wrongful acts in their official capacity, which is not relevant to the personal liability of a healthcare professional. Therefore, malpractice liability insurance is essential for doctors to protect themselves from the specific risks associated with their professional duties.