What is "incidental medical malpractice" coverage?

Incidental medical malpractice coverage is designed to provide liability protection for businesses that offer limited health services but are not fully engaged in the medical profession. This type of coverage is particularly useful for businesses that may offer auxiliary health services or healthcare-related activities, where the risk of malpractice claims is present but not the primary focus of the operation.

For instance, a business that operates a gym with trained personal trainers or a spa that employs licensed massage therapists would not typically qualify for comprehensive medical malpractice insurance but still requires some level of protection against potential malpractice claims arising from their services. Incidental medical malpractice coverage tailors liability protection to these scenarios.

This coverage is specific to certain limited health services businesses rather than a broad range of medical professionals or institutions, which is why options relating to comprehensive protection for medical professionals in any setting or specific types of malpractice are not accurate. The coverage is indeed targeted and not confined to hospitals or surgical practices alone.