liability insurance for nurses
When the emergency lands patient looks
forward towards a medical practitioner to cure him and restore
his health back. Hence medical practitioners are entitled for
more liability claims than any other professionals. Nurses are
no exception and hence to protect them from any lawsuit,
professional liability insurance for nurses is
a must. The amount of coverage they need to carry depends on
many factors. The specific work they perform in which
environment is the defining factor on how much insurance they
will carry. It is very important to have sufficient liability
insurance when you are working in nursing profession. Paying a
little extra money every month is beneficial in the long
Why do nurses
require professional liability insurance?
In today’s litigious world claims can pose
threat a serious threat to the nurses and hence they should
carry their personal professional nursing liability insurance.
This coverage protects them from legal costs and board of
nursing actions. They are protected against claim arising out
arising out of bodily injury or death caused by error,
omission, negligence in profession services. It also covers
defense costs incurred while investigation, cost of
representation, compensation etc. There is much unique,
comprehensive and affordable liability policy coverage for
nurses. They are suited for most of them working under wide
range of disciplines. Some of these policies are also custom
made for individual needs. You can choose from coverage limit
from $100,000 to $1,000,000. You can also opt for your personal
deductibles $ from 1,000 to $10,000. The premiums are annual
and is payable in one single payment during the commencement of
the insurance period Who can avail professional liability
insurance in nursing profession?
Many retired nurses teach and train other nurses
which is a very rewarding experience but this also
makes them more susceptible to experience
litigations and lawsuits. They can apply for this
It is important that you are qualified as a nurse
in that country and are also practicing it. Proof
of your professional qualifications and training
are also required.
The applicants should have clean record and should
not have been subjected to any previous claims made
or filed against.
Some nurse work as legal consultant where they are
used in legal capacities. At times you can face a
lawsuit for working in this capacity. Many times
the liability insurance provided by the employer is
not sufficient and hence it is best to have your
own personal professional insurance.
Nursing students though are still learning have to
work in varied hospitals, clinics and medical
setups which make them vulnerable to lawsuits.
Though schools and training centers provide minimum
amount of coverage it is best in the interest of
the aspiring nurses to seek out their personal
professional liability insurance.
There are many companies offering
professional liability insurance for nurses. It can be
confusing to choose one and decide on the amount of coverage to
opt for. The best way to figure this out is by consulting
others nurses working in your organization to know the right
amount of coverage needed. You can also ask for suggestions
from the hospital or clinic you work for. Find a reputable
provider of professional insurance and seek his advice to know
your liability coverage needs. It is best to consult the
professional organization you belong to recommend you with the
best insurance provider. Some of the leading insurance
companies providing professional liability insurance for
nursing professional are HPSO, NSO and MAG Mutual, Sinclair
Insurance and many others.
With professional liability insurance for
nurses they can carry out their duties and responsibilities
without the fear of facing any legal litigations