Final answer:
Healthcare providers, including doctors and nurses, are most likely to purchase malpractice insurance as it protects against negligent healthcare claims. Hospitals and manufacturers can also face liability for flawed procedures or defective equipment. Professionals often have insight into their risk factors which may not be transparent to insurers.
Step-by-step explanation:
Professionals most likely to purchase malpractice insurance are typically those in the medical field, such as doctors, surgeons, nurses, and other healthcare providers.
This type of insurance is crucial for these professionals as it provides protection against legal claims regarding negligent actions or inadequate health care that result in injury or death to a patient. For instance, hospitals and healthcare workers might be held liable if it can be proven they followed a flawed procedure that resulted in harm, or if manufacturers provide defective medical equipment.
Moreover, the purchase of insurance often indicates a level of knowledge about personal or professional risk factors that might not be easily discernable by an insurer, similar to how a high-risk driver may understand their driving habits better than an insurance company.