Malpractice insurance se aplica personalului medical si cuvantul "malpractice" e ca o referire la doctori & personal medical. Daca personalul auxiliar despre care este vorba NU este medical, atunci se aplica professional liability insurance.

Malpractice insurance is designed primarily to provide medical professionals protection from lawsuits, though there are other personal coverages provided with most policies. A malpractice insurance policy will cover the insured up to values of several million dollars. However, the amount of necessary coverage varies from state to state, as different statutes apply to malpractice law in different areas.
http://www.wisegeek.com/what-is-malpractice-insurance.htm

A professional liability policy covers errors, omissions or negligent acts which may arise from the normal or usual duties carried out by the insured.
http://www.casw-acts.ca/community/liabilityinsurance_e.html


... my 2c ...