Nurses that provide care to patients perform one of the more important duties when it comes to helping people to remain healthy or regain their health. But no matter how educated they are or how confident they are in their abilities, unintentional mistakes can and will happen from time to time. When accidents do occur, or unfortunate cases of willful neglect become an issue this can result in lawsuits.
Injury and even deaths are often are the results of mistakes or accidents and the families of victims not only want to know what happened but often look to point blame. Even in the best-case scenario, the nurse knows the damage could due irreparable harm to his or her professional reputation. Nurses should exercise their option of protecting their professional reputations and personal assets with professional liability insurance for nurses.
Getting adequate protection against litigation
Simply put, accidents are often seen as a failure to adhere to a standard of care or conduct by a professional. This includes physicians as well as nurses. Malpractice occurs when it can be proven that a professional had a duty to provide a standard of care and/or conduct, and upon breaching that duty an injury or damage resulted.
What could come into question is whether or not a patient has a valid complaint. A patient or a family member might decide to sue the nurse, or the hospital, or other parties deemed responsible, claiming they had been mistreated, wrongly diagnosed, or subjected to care that caused them agonizing pain. Far worse, a patient may be given treatment, could be injured during the course of treatment, or in rare cases, may not regain consciousness and any attempts at resuscitation could fall short.
Why purchase individual professional liability insurance for nurses? All malpractice liability insurance policies have limits of liability. If you are only covered by your employer’s insurance, other defendants employed at your entity may share your liability limits under the same policy. If you, as well as others, are named in a suit, your legal costs, including any settlement, could exceed your employer’s shared liability limits. This would mean out-of-pocket expenses for you.