February 17, 2026 by matray

Professional Insurance Plans, an insurance provider serving healthcare professionals nationwide, announced it has expanded its liability offerings to address risks associated with artificial intelligence and algorithm-driven clinical tools.

The move comes as AI becomes more deeply embedded in healthcare settings, from diagnostics and treatment planning to administrative functions. As adoption accelerates, new liability exposures are emerging that traditional malpractice policies were not designed to address, the company said.

AI tools are increasingly used to assist with clinical decision-making, data analysis and workflow management. While the technology has been credited with improving efficiency and reducing some human errors, it also introduces new risks, including potential mistakes stemming from data inputs, algorithmic recommendations or system limitations rather than direct physician judgment.

Professional Insurance Plans, which reports serving more than 3,000 healthcare professionals, said claims tied to technology-assisted decisions can raise complex questions about responsibility — including whether an alleged error resulted from clinical judgment, software output or system design.

The company identified several areas of concern as AI becomes more integrated into healthcare settings, including the potential for incorrect diagnoses or treatment decisions tied to machine learning systems, security risks related to sensitive patient data, algorithmic bias that could affect certain populations and the lack of clear regulatory guidance governing AI use in clinical practice.

Traditional professional liability policies were developed for a healthcare environment in which clinical decisions were made exclusively by human providers, the company said. As AI-driven tools become embedded in patient care, coverage gaps may emerge if policies do not account for technology-assisted liability.

The expanded coverage is intended to address claims arising from AI-assisted and technology-driven care as providers continue to incorporate digital tools into clinical workflows, the company said.