What is the purpose of professional liability insurance in self-care practice?

• A. Provides financial protection against claims of negligence, covers defense costs, and may cover settlements
• B. Replaces the need for professional competence
• C. Is only required for physicians
• D. Covers general health benefits for staff

Answer: (A)

Professional liability insurance for self‑care practitioners protects you financially if a client alleges that your care caused them harm. It typically covers legal defense costs and can pay settlements or judgments up to the policy limits, and may also cover related expenses in defending a claim. It does not replace the need for proper training and competent practice, nor is it limited to physicians. It does not provide general health benefits for staff; those are separate benefits. Having this coverage is part of responsible risk management, helping you handle the financial risk of lawsuits while you focus on client care.