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Who needs Nursing Liability Insurance

By Edited Nov 29, 2016 0 0

Introduction

If a person displays a faulty behavior at work place, then that person is at a higher risk of getting sued. Employers from health care are not spared and they can get sued as the health care professionals are believed to be ethical with good knowledge and incredible skills as the year of study is longer than any other graduation course. However, nurses are more likely to get under malpractice suits when compared to other people from health care field as they interact more with the patients by giving suggestions to their illness. Hence it is important for every nurse to know about the Nursing liability insurance and its benefits as it can protect them against the malpractice suits as the nurses are more vulnerable to it.

Nursing liability insurance is recommended for any person from a nursing profession who shows care for the patient’s health in a health care center.  When a person receives a license then it is understood that the person agrees to perform a duty with dedication and commitment for a patient’s wellbeing. It is an individual’s oath to work with sincerity by abiding to profession’s ethics as the nurse takes a complete responsibility to maintain the health of an ill patient and works towards providing an amiable support. Therefore, nursing liability insurance is mandatory for every nursing professional including a licensed practical nurse, register nurse, vocational nurse, and nurse practitioner as they are involved in providing health care to many patients.  

Importance

A nursing profession is one of the most rewarding and difficult careers in the medical field as nurses are responsible for handling different patients and they can control sad or anxious or aggressive patients with their kind calming words. Every nurse can provide special and incredible service to every patient however, as a human being a person can go wrong once in a career and this can cause an irreparable damage to a person’s nursing profession. This can be unfortunate as a nurse is most susceptible to malpractice lawsuits for a small error as they have conversation with the patient and they look after a patient by being supportive and lenient which can cause simple misunderstandings and a patient or family member gets disgruntled and file a lawsuit. A malpractice lawsuit on nurse can hinder the career and also lead to financial crisis. Hence nursing liability insurance can protect the nursing career and can help the nurse to overcome the financial consequence of a lawsuit.

Coverage

It is advised for a nurse to possess an occurrence policy or claims made policy to be registered as a nurse can benefit from the coverage when the allegations are made due to duty negligence even if it is claimed after a policy’s expiry date of an occurrence policy. In contrary, a nurse can benefit by the coverage of a malpractice claim for a period that does not exceed the validity of a claims made policy.

In addition, nursing liability insurance can protect the career of a nurse by preventing the permanent damage to the career as the allegations can be made for unfortunate incidents or simple confrontations and the claim demand can be in million dollars that cannot be affordable by a nurse which gets covered by a policy.

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