What type of policy covers negligence by the staff of a physician?

What type of policy covers negligence by the staff of a physician?

• A. Comprehensive insurance
• B. General liability policy
• C. Health policy
• D. Property insurance

Answer: (B)

A general liability policy is designed to protect businesses, including medical practices, from claims arising from negligence, injuries, or damages that may occur during normal operations. In the context of a physician's office, this type of insurance would cover incidents in which a patient claims they were harmed due to the negligent actions of the staff, such as inadequate care or improper handling of medical procedures. While comprehensive insurance might cover a wider range of risks, it does not specifically target the professional negligence aspect typical of medical practice settings. Health policies primarily relate to medical coverage for patients rather than liability protection for the provider. Property insurance focuses on protecting physical assets and does not address issues of negligence or liability directly related to staff actions. Therefore, a general liability policy is essential for safeguarding against claims of negligence in a medical environment.

A general liability policy is designed to protect businesses, including medical practices, from claims arising from negligence, injuries, or damages that may occur during normal operations. In the context of a physician's office, this type of insurance would cover incidents in which a patient claims they were harmed due to the negligent actions of the staff, such as inadequate care or improper handling of medical procedures.

While comprehensive insurance might cover a wider range of risks, it does not specifically target the professional negligence aspect typical of medical practice settings. Health policies primarily relate to medical coverage for patients rather than liability protection for the provider. Property insurance focuses on protecting physical assets and does not address issues of negligence or liability directly related to staff actions. Therefore, a general liability policy is essential for safeguarding against claims of negligence in a medical environment.