Working in the health profession is dangerous for many reasons. One of the biggest problems a person in the healthcare field will face is the malpractice lawsuit. Even if you feel that you are the best at what you do, it is important to protect yourself in this litigation happy world.
As a physical therapist, you are devoted to helping people improve their lives and may feel that because of this no one would ever sue you. However, without malpractice protection you are putting everything you have worked so hard for at risk. One unhappy patient is all it takes to ruin your career.
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If your employer provides protection, you may think that you are safe, but chances are the employer provided policy does not adequately protect you. This is because the insurance that your employer has in place is set up to protect them. To protect yourself it is important to obtain your own malpractice insurance, which guarantees that you will have representation that is focused on your best interests.
Simply put, not having malpractice insurance in place is just a risk that should not be taken. Even if you are the best at what you do and feel that no matter what there is no way that you will ever be sued, there is no guarantee this is true. All it takes is just one person to feel that you did not help them in a way that they felt was right, or you made their condition worse than it was. Malpractice suits are becoming more and more common and it is always better to be safe than sorry.
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