The difference between Professional Indemnity and Medical Malpractice policies is in the insuring clause. A malpractice policy covers legal liability triggered by a breach of professional duty causing defined bodily injury, common definitions of bodily injury are; death, bodily injury, mental anguish, mental injury, illness or disease. Standard Professional Indemnity policies usually exclude this cover.

Hospitals, clinics, General Practioners, specialist medical, chiropractors, dentists, ambulance companies, pathology laboratories, diagnostic companies, respite centres, aged-care homes, day surgeries/hospitals, telephone counselling services, O.H&S Consultants and medical employment agencies are examples of healthcare providers for which medical malpractice insurance is designed.