In the healthcare industry, lawsuits are not unusual. Lawsuits against nurses alone are up 58% in the last five years. Allegations of medical malpractice can have long-term effects against healthcare professionals. Unfortunately, many nurses don’t recognize the need for malpractice insurance.
Nurses May Believe That They Already Have Coverage
There is a common misconception that an employer’s professional liability coverage covers malpractice. While general liability may help with the lawsuit, it isn’t usually enough coverage to handle the full award. Also, if you were to leave the facility, you may no longer have coverage. Nurses who work as independent contractors or as part-time employees do not have those benefits either.
Nurses Do Not Recognize How Common Claims Are
Clients do not only allege malpractice against doctors. A patient may claim that you were negligent when providing care, that you did not abide by your duty to exercise care and that you caused him or her financial damages or an injury due to a lack of care. While the patient would have to prove a breach of duty, nurses still have to cover legal costs and any potential settlements if they do not have insurance.
Medical malpractice insurance is just as important for nurses as it is for other medical professionals. Nursing liability insurance can help cover you when your employer doesn’t.