Negligence or wrongdoing by a medical practitioner, or the failure to exercise the customary degree of care, knowledge or skill, can bring about medical claims which are devastating to a physician who does not carry proper malpractice coverage. Such claims result in loss of income, savings and the professional reputation of the practitioner. Coverage is available for physicians, surgeons, dentists, emergency medical technicians and other providers of health care services, including hard-to-place risks due to past claims history.