Patent ID: 7756730

Claim:
A method of providing liability insurance covering medical services of a limited scope which comprises: employing a processor to execute computer executable instructions stored on a computer readable medium to perform the following acts: (a) an insurance provider establishing criteria for accepting practitioners into a network; (b) said insurance provider accepting at least one practitioner into a network wherein said practitioner accepted into said network meets said established criteria, and wherein said insurance provider provides said accepted practitioner with elective liability insurance to offer at least one patient; and (c) said accepted practitioner offering elective liability insurance to at least one patient obtaining at least one medical service from said practitioner, wherein said elective liability insurance covers said service and wherein said service is of a limited scope, and wherein said elective liability insurance is offered either quantitatively, allowing the at least one patient to choose whether to accept or deny a predetermined amount of said elective liability insurance, or qualitatively, allowing the at least one patient to choose a desired amount of said elective liability insurance; and wherein the elective liability insurance is supplemental to a base level of insurance already covering at least one medical service, the base level of insurance may or may not be equal to an amount required by municipality the practitioner is practicing in and the base level of insurance is not purchased by the patient but automatically provided by the practitioner.