Responsibilities and liabilities of nursing

In a malpractice/negligence claim I understand that an injury that a reasonable person would expect is excluded from coverage. An injury may be physical or psychological.

Are you referring to this, which is an exclusion of my own policy:

to acts or omission by any Insured expected or intended to cause Bodly Injury or Property Damage regardless or whether or not such act or omission was intended to cause the specific Bodily Injury or Property Damage sustained.

I think this means that you aren't covered when what you do is expected or intended to hurt the patient. In other words, when you are Annie Wilkes' twin sister (re: Stephen King's book Misery). The second part of the policy wording means you won't be covered if you say, "I wanted to make him sick, not kill him!!"

From the Proliability website, which is where I got my policy:

[h=2]What is Professional Liability Insurance?[/h]Professional Liability Insurance protects service-providing professionals in the event of a liability claim. For nurses, surgeons, dentists and other medical professionals, such policies are known as medical malpractice insurance and pay in the event a judge rules they have committed professional errors that resulted in damages or injury to a patient. Nearly all licensed professionals who are employed within the healthcare field should have medical malpractice insurance coverage to pay for any negligence or liability that might result from routine services.