MPL insurance covers each provider based on policy stipulations. For example, CRICO covers licensed providers in alignment with their formal privileges, which may permit experimental or new procedures/equipment/therapies.
Regardless of policy wording, patients have a right to know what will be done and providers have an obligation to engage the patient in an informed consent discussion about any planned procedure, including those involving experimental or new techniques, equipment, or therapies—and alternative options (including doing nothing). A failure to inform the patient and secure his/her consent could be grounds for a malpractice allegation, or exacerbate an allegation based on another aspect of unsatisfactory care.