Last Updated: July 12, 2022

Increasing Nursing Malpractice Coverage Adding Protection To Nurses In 2022

Highlights: 

    • There are a few significant differences between an individual professional liability insurance policy and malpractice insurance supplied by the employer. 
    • Individual occurrence policies are an effective way for nurses who want the most comprehensive and reliable coverages possible when working outside of their professional hours
    • There are 2,986,500 registered nurses in the United States according to Nursing Process Organization 

 

nursing malpractice coverage

Out of all the healthcare workers in the United States, registered nurses are ranked #1 on the list for the highest employed healthcare profession. There are 2,986,500 registered nurses in the United States according to Nursing Process Organization 

Healthcare professionals, including nursing staff members need to be extra careful when it comes their work environment because the stakes are so high. If you’re a nurse and your mistakes end up costing someone else their life or debilitating them for years then that would not just hurt as an individual but also reflect badly on all other nurses who do provide quality care. By securing professional liability coverage through premiums paid by yourself personally (as opposed with hospital funds)  most of the insurance provider ensures you with  independent accountability.

Is Malpractice Coverage and Individual Personal Liability Same for Nurses? 

The best way to avoid professional malpractice is by securing the appropriate coverage for your organization. There are many benefits that come with having this type of policy, including peace-of mind knowing you’re protected in case something goes wrong at work or home during off hours. 

The Nurses Service Organization’s (NSO) senior risk consultant, Georgia Reiner, says there are a few significant differences between an individual professional liability insurance policy and malpractice insurance supplied by the employer. 

Nurses should have coverage that follows them from job to job, but many employers only offer claims-made policies which don’t provide adequate protection. The employer providing the insurance coverage to the nurses is intended to protect the employer first and then the nurse. 

Individual occurrence policies are an effective way for nurses who want the most comprehensive and reliable coverages possible when working outside of their professional hours or engaging in volunteer work with patient care organizations—even if those activities happened while employed at another healthcare facility! Nurses are at risk for litigation or state board of nursing action against them. In order to protect themselves, nurse should learn about personal professional liability insurance, policy options, and what they cover. Therefore, considering insurance for nurse is worth it for the peace of mind, and for the extra layer of protection 

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