Which insurance protects professionals against negligence claims?

• A. PPO
• B. POS Plan
• C. Professional Liability Insurance
• D. Medicare

Answer: (C)

Protection against negligence claims is provided by professional liability insurance, sometimes called malpractice or errors-and-omissions insurance. It covers legal defense costs, settlements, and judgments when a client alleges that a professional’s advice or treatment was negligent or failed to meet the standard of care. This kind of coverage is crucial for clinicians in athletic care, where mistakes or omissions in evaluation, treatment, or referrals can lead to lawsuits. The other options refer to types of health insurance plans, not liability protection: a PPO is a network-based managed care plan, a POS plan is a point-of-service plan, and Medicare is a government health insurance program. These plans address payment and access, not protection from negligence claims.