It is well-understood that doctors and surgeons require the protections offered in medical malpractice insurance. The high risk of litigation for those fields necessitates an investment in coverage, but are those in the nursing industry vulnerable to similar professional and financial threats? While an employer’s liability insurance offers some protection, it has significant limitations. Claims against nurses are on the rise, making it increasingly important to guarantee adequate liability coverage.
The Risks of the Nursing Profession
There are a number of risk factors involved that leave nursing professionals vulnerable to lawsuits. Charges can be brought against a nurse for failures in care and for inappropriate care leading to injuries or financial loss. It is critically important to understand the extent of coverage from an employer’s liability insurance to ensure sufficient protection. Part-time nurses and independent contractors are particularly at risk of being under- or uninsured.
The Benefits of Coverage
Nursing malpractice liability insurance offers safeguards against professional and financial ruin in the event of a lawsuit. A policy can be tailored to meet individual circumstances. Options for coverage can include protection if charges are made after employment has ended. Other benefits include protection against:
- Licensing issues related to lawsuits
- Nursing Board disciplinary actions
- Libel and slander incidents
Nurses face increasing risks for lawsuits. While employer coverage may offer some protection, investment in nursing liability insurance offers peace of mind so that nurses can continue to provide critical services in the medical industry.