Are there any exceptions to professional liability insurance?
Yes, there are exceptions to professional liability insurance in Oregon. These exceptions are known as the “professional services exclusions.” These are services that are not covered by professional liability insurance. These services include cosmetic procedures, mental health services, outpatient and inpatient rehabilitation services, services performed by a “nonprofessional” or “unlicensed” individual, services for which the provider has not been properly trained, and services that involve “holding out” to the public. The exceptions also include services that involve the use of a third-party equipment or property, services that involve the use of a prescription medication, the provision of a service that is not “evidence-based” or “experimentally tested”, and services that involve “experimental” or “unestablished” practices. Additionally, services that involve an uninsured patient or client are also excluded from professional liability insurance coverage in Oregon. Finally, services that involve the use of a “non-medical” device or paraphernalia, services that involve the use of a “non-covered” service or product, and services that involve the use of a “non-standard” practice are also not covered by professional liability insurance in Oregon. All of these services are excluded from professional liability insurance coverage in order to protect the safety and wellbeing of individuals receiving services from these professionals in Oregon.
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