Which covers physicians and other health care professionals for liability as to claims arising from patient treatment?

Medical malpractice insurance is specifically designed to cover physicians, surgeons, and other healthcare professionals against claims of negligence, misconduct, or failures in providing treatment to patients that result in injury or harm. This type of insurance protects healthcare providers from financial loss due to lawsuits resulting from their professional actions or inactions related to patient care.

The primary purpose of medical malpractice insurance is to ensure that healthcare providers can defend themselves against claims, as well as provide compensation to victims if they lose a lawsuit. It typically covers legal fees, civil settlements, and judgments that may arise from allegations of malpractice.

Other options, such as bonding insurance, risk retention insurance, and self-funded insurance, do not focus specifically on liability claims related to patient treatment. Bonding insurance is often used to protect against loss caused by fraudulent acts by employees, while risk retention insurance involves groups of businesses pooling resources to manage risk. Self-funded insurance refers to a self-insurance model that may not provide the specialized coverage and legal support necessary for healthcare professionals facing malpractice claims. Therefore, medical malpractice insurance is the most suitable answer for covering liability issues arising from patient treatment.