Chima Healthcare Provider, which is located in Cape Town, South Africa, is a leading provider of comprehensive healthcare services, including primary care, specialised treatments and emergency services. Given the critical nature of its operations, Chima Healthcare faces various risks, including medical malpractice, equipment failure, patient data breaches and operational disruptions. Ensuring the safety of patients and staff, while maintaining high standards of care, necessitated the adoption of a robust risk management and insurance strategy. Chima Healthcare is seeking professional indemnity insurance. During the underwriting process, which of the following would be considered a high risk that could lead to higher premiums or even denial of coverage?