Who is primarily covered under malpractice insurance?

Malpractice insurance is primarily designed to protect healthcare professionals and providers from claims of negligence or inadequate performance in the course of their professional duties. This type of insurance is critical in fields such as medicine, nursing, and other healthcare-related professions, where the risk of being sued for malpractice is significant. Healthcare providers, including doctors, surgeons, nurses, and therapists, face unique legal liabilities due to the nature of their work, which often involves life-altering decisions and treatments. Thus, malpractice insurance helps cover legal costs, settlements, or judgments resulting from claims against these professionals, allowing them to practice without the constant fear of financial ruin due to a lawsuit.

In contrast, the other options revolve around different realms of insurance needs. Individuals seeking home insurance are focused on property protection, property managers deal with liability related to managing real estate not directly health-related, and commercial business owners require coverage for other types of liabilities pertinent to running a business—not specifically for professional negligence in healthcare. Hence, the focus of malpractice insurance on healthcare professionals distinctly identifies them as the primary beneficiaries of this type of policy.