Malpractice insurance is a type of coverage that protects professionals, especially in the medical field, from claims of negligence or misconduct. If a patient believes they received inadequate care or suffered harm due to a professional's actions, they can file a lawsuit. This insurance helps cover legal fees, settlements, and other costs associated with defending against such claims. For example, a doctor may face a lawsuit if a patient experiences complications after a procedure. With malpractice insurance, the doctor can focus on their practice without the constant worry of financial ruin from potential legal battles. This coverage is essential for maintaining trust in the healthcare system.