Professional Liability Insurance (Malpractice Insurance), often known as "healthcare insurance" for doctors, is a financial protection mechanism in case of medical errors. This service is critical for both doctors and clinics, as a single lawsuit can cost millions of lari and bankrupt a business. Insurance covers not only compensation to the patient but also legal fees and attorney costs. In Georgia, this market is developing, and insurance companies offer various policies. Selecting the right policy that actually works during a crisis requires legal knowledge.
Specialists on Legal.ge offer consultation on professional liability insurance:
- Policy Selection and Audit: Analyzing existing offers and recommending the best coverage (limits, deductibles).
- Exclusion Analysis: Identifying what the policy does not cover (e.g., gross negligence, unlicensed activity) to avoid surprises.
- Corporate Policies: Preparing group insurance contracts for clinics and negotiating with insurers.
- Claim Management: Legal support when a loss occurs — how to notify the insurer and manage the process to receive reimbursement.
- Disputes with Insurers: Defending interests if the insurance company refuses to protect the doctor or reimburse the loss.
In practice, doctors often believe they are insured, but during a dispute, it turns out the policy does not cover a specific procedure (e.g., aesthetic intervention). The issue of "Tail Coverage" is also important — does the policy cover errors that occurred during the insurance period but were discovered after the policy was cancelled? A lawyer helps clarify these nuances.
In Georgia, professional insurance for doctors is currently voluntary (except for some specific cases), but clinics increasingly require it as a condition of employment. This protects both the doctor and the clinic from recourse claims.
Working with a specialist ensures your "safety cushion" is real. Our experts will help you sign a contract that truly protects you from professional risks.
Legal.ge is your partner in risk management. For peace of mind at work, it is essential to know that strong insurance stands behind you in case of an error.
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