Malpractice is coined to suggest a deviation by omission or commission (action or inaction) from the standards/benchmarks of professional care which then results in a jury/litigation".

The best way to defend yourself against social-work/medical/legal work malpractice lawsuits is to prevent suits from being filed in the first place.

In addition to this liability malpractice insurance is also as important to take care of the unforseen litigations, it's prudent to obtain professional liability insurance and take other measures to improve your practice as ways of mitigating your liability risk.

Malpractice insurance takes care of the damages that can be sued against you which may comprise of the, physical loss/financial loss (which is quite definite)/emotional harassment.

Social malpractice insurance:

The term suggests the following points that relate to acitivities of the social workers:

"wrongful acts" in social work malpractice, such as:

* Treatment without proper consent,

* Incorrect treatment /improper diagnosis,

* Failure to consult with or refer a client to a specialist,

* Failure to prevent a client's suicide,

* Causing a client's suicide,

* Failure to protect third parties from harm,

* Inappropriate release/detainment of a client in a hospital,confinement,

* Sexual involvement with clients or other sexual misconduct (subject to reduced limits),

* Breach of confidentiality,

* Defamation,

* False imprisonment,

* Failure to provide adequate care for clients in residential settings,

* Failure to be available when needed,

* Termination of treatment,

* Improper child placement.

This kind of malpractice insurance though come seldom to light

but surely may lead to quite serous nature results and surely this can also lead to higlighting in the lime-light as any thing related to the social acitivists surely does catch a layman'a eye and attention.Definetly this does not give us any good atttention.

Just make sure no work is leading to such results in any department concerning the social work.

Covers can taken up that specialize in the same so that can get optimum cover that should cover all the said and unsaid contigencies.

Medical Malpractice:

Medical malpractice insurance is an act or omission by a health care provider which deviates from accepted standards of practice in the medical community and which causes injury to the patient.

In India you may call for a special cover for the same.This cover general is a "Tailor made cover" which takes into account all the factors that shall govern the premium ratings,like types of litigations,fee that is being charged for the same,any kind of financial implications that might spring because of any kind of fall backs from the legal prudential practice to that of any kind of malpractice.

Legal Malpractice:

Legal Malpractice suggests any kind of deviation from established "fiduciary duty".Legal malpractice may occur where a lawyer acts in a negligent manner when providing legal advice or representation. The following represents an overview of legal malpractice law and common defenses.

It may also suggest that attorney deviated to exercise the "utmost care," and treat the interests of the client as if they were the attorney's own interests.The premium for the cover for the same shall be determined by different carriers on rates, deductibles, restrictions, limits, payment plans, insurance organization ratings and more.

Insurance cover for your profeesion is very important and should not ignored as nothing is confirmed and no matter "if something has to go wrong it shall".There are factors that are beyond the human control.

But by the end of the day everything boils down to financial aspect and then tangible factors cannot ignored and are never ignored no matter what comes across to us should not be taken as a "wrapped package deal".

Clients have a nature to get compensated financially no matter you were able to deliver the services properly but then one place wherever you fumbled and that does not acceptable to your clients.They expect you deliver upto your mark on every detail.

Customers are very sensitive to being handled properly and like a child so be it whether you are a doctor or social acitivist or lawyer that does matter.You need to handle them carefully their matter is personal to you,they wont like you cutting them in a sorry picture.No mishandling or under-handling is tolerated ever.

Unhappy or Angry clients do have a habit of blowing things put of proportion and that shall reflect certainly on your malpractice lawsuits.

Gist: Areas where you are dealing with the general public and their matter is supposed to be your matter,take care in first place to avoid any kind of contingences that result in upsetting them or decieving them in any way,later in case things went out your control be it because of lack of care from your area of control or the other, be ready to cover yourself with the adequate insurance cover so that no matter what the litigation decides you are able to take care of the situation monetarily.

Unhappy clients cannot be taken care of only on the basis of the "sugar coated words" but tangible factorand thta can gatifies only through insurance.