professional liability insurance for nurse practitioners

liability insurance for nurse practitioners

Please fill out the form below for a quote on liability insurance for your nursing practice.

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why is nurse practitioner professional liability insurance essential?

Despite extensive training and playing a critical role in healthcare delivery, NPs face several challenges that make malpractice or liability insurance essential. Here are key areas where nurse practitioners are vulnerable to being sued:

  1. Diagnostic Errors: One of the most common areas of vulnerability for NPs involves errors in diagnosis. This can include misdiagnosis, delayed diagnosis, or failure to diagnose a condition. Given the serious implications of such errors on patient outcomes, NPs can face malpractice lawsuits if this leads to their condition worsening or inappropriate treatment administered.
  2. Medication Errors: NPs have prescriptive authority in most jurisdictions, which includes prescribing medications and managing patients’ medication regimens. Errors can occur in prescribing incorrect medications, dosages, or failing to recognize potential drug interactions. These errors can lead to adverse drug events, harming the patient and exposing the NP to legal action.
  3. Failure to Treat: if an NP fails to provide appropriate treatment for a diagnosed condition, through not initiating treatment in time or by choosing an ineffective treatment plan. Patients harmed by these failures may pursue legal claims against the NP for negligence.
  4. Improper Management of Treatment: Where an appropriate treatment plan is not properly executed or managed. This could include failure to monitor the progress of a condition, improper use of medical equipment, or failing to make necessary adjustments to the treatment plan.
  5. Lack of Informed Consent: NPs must ensure that patients are fully informed about the risks and benefits of proposed treatments and that they consent to those treatments. Failure to obtain informed consent can lead to lawsuits if patients experience unexpected complications or outcomes.Nurse practitioners need malpractice insurance
  6.  Breach of Patient Confidentiality: Patient privacy is a cornerstone of healthcare, protected under laws like HIPAA. NPs can be sued for malpractice if they disclose patient information without consent, leading to harm or distress for the patient.
  7. Scope of Practice Violations: Each jurisdiction has laws defining the scope of practice for NPs. Operating outside of this scope, by performing procedures they are not qualified for, or by failing to refer patients to physicians when necessary, can result in malpractice claims.

Nurse practitioner liability insurance is essential to protect against the financial and professional consequences of potential liabilities. This insurance can cover legal defense costssettlements, and judgments, providing a safety net that allows NPs to focus on delivering care.

Westwood Insurance Group works with a range of Insurance carriers to ensure you get the most suitable coverage at the best price. Get a quick quote today.

what types of insurance do nurse practitioners need?

General Liability Insurance

General Liability Insurance

This is necessary for nurse practitioners with their own facilities. It covers medical expenses and attorney fees resulting from bodily injuries, settlements and property damage your organization could be legally responsible for.

Business owner's policy (BOP insurance)

Business owner's policy (BOP insurance)

A Business Owner’s Policy (BOP) is a comprehensive insurance package designed for Medical Professionals with small to medium-sized businesses. It provides a blend of liability protection and property insurance.

Professional Liability Insurance

Professional Liability Insurance

Professional Liability Insurance or np malpractice insurance covers any negligence or mistakes made by individual nurse practitioners. It differs from General Liability insurance, which covers the practice itself. 

Commercial Auto Insurance

Commercial Auto Insurance

This is relevant for nurse practitioners who use a vehicle for your practice-related tasks. This insurance covers you against auto accidents, theft, and other vehicle-related incidents.

Workers Compensation Insurance

Workers Compensation Insurance

Workers Compensation Insurance is usually mandated by law. It protects nursing practices and their employees in case of work-related injuries or illnesses.

Cyber Liability Insurance

Cyber Liability Insurance

Covers you against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online system to fix vulnerabilities as part of this policy.

Contact Chris Worley now

Chris Worley

Chris specializes in insurance for Nurse Practitioners. You can call him or one of the team on the number below or fill out the form and he will get your message directly:

we've got you covered

General Liability Insurance

Protecting healthcare organizations against increasingly crippling litigation.

Professional Liability Insurance

Protecting medical professionals against increasingly crippling litigation.

Medical Malpractice Insurance

Protecting medical professionals against predatory lawyers and runaway jury verdicts

Cyber Liability Insurance

Protecting healthcare organizations & professionals against cyber attacks.

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