What is the primary purpose of professional liability insurance for EMS professionals?

• A. To cover vehicle damage
• B. To protect against legal claims of negligence or errors in patient care
• C. To insure equipment
• D. To cover travel expenses

Answer: (B)

Professional liability insurance for EMS protects you from financial losses when someone claims that your patient-care decisions were negligent or incorrect. It covers the legal costs of defending you, plus any settlements or judgments that result from those claims, so you can focus on providing care. This is different from other types of coverage: vehicle damage is handled by auto or fleet insurance, equipment issues are addressed by property or equipment coverage, and travel expenses aren’t covered by professional liability at all. For example, if a patient outcomes dispute a care decision and a lawsuit follows, the professional liability policy would help pay for the defense and any settlement, rather than leaving you personally exposed.