Described herein is a method of providing liability insurance covering medical services of a limited scope which includes an insurance provider establishing criteria or guidelines. The insurance provider accepts at least one practitioner into a network wherein the practitioner accepted into the network meets the established criteria or guidelines. The accepted practitioner may then offer elective liability insurance to at least one patient obtaining at least one medical service from the practitioner, wherein the elective liability insurance covers the service and wherein the service is of a limited scope. A management service may act as an intermediary to provide at least one service related to the elective liability insurance to the accepted practitioner and the insurance provider. The patient may accept or deny the elective coverage.