Malpractice insurance is coverage provided to health care professionals that pays for the cost to defend themselves in lawsuits, as well as the amount of any damages awarded. The size of damage reimbursements is capped by the policy, so a professional will still be liable for a portion of outsized awards. This type of insurance is most commonly carried by individuals working in the medical field, such as doctors, nurses, and hospitals. Those covered by the insurance are typically sued on the grounds that they provided negligent or intentionally harmful medical treatment. The amount of the premium charged is dependent on many factors, such as the type of health care work in which the person is engaged, his or her geographic location, and the severity of claims.