liability insurance for nurses

Liability insurance for Nurses

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why do nurses need insurance?

Despite their dedication and expertise, nurses face several challenges that make it necessary to have malpractice or liability insurance. These challenges stem from the inherent risks associated with healthcare delivery and the high expectations placed on nurses. Here are key areas where nurses are vulnerable to being sued for malpractice:

  1. Medication Errors: One of the most common sources of nursing malpractice claims involves errors in medication administration. This can include giving the wrong medication, administering the wrong dose, or administering medication to the wrong patient, all of which can lead to serious adverse outcomes.
  2. Failure to Monitor and Report: Nurses are responsible for monitoring patients’ conditions and reporting significant changes to physicians or other healthcare providers. Failure to adequately monitor a patient or to report changes in a timely manner can result in patient harm and potential lawsuits.
  3. Inadequate Patient Assessment: Proper patient assessment is crucial for identifying changes in patients’ conditions and for the planning and delivery of appropriate care. Inadequate assessment can lead to a failure to identify critical issues, resulting in negative outcomes for the patient.
  4. Documentation Errors: Errors, omissions, or falsification of records can lead to legal action, especially if the documentation fails to support the care provided or decisions made by the healthcare team.
  5. Injuries from Falls: If a patient falls and is injured under a nurse’s care, especially if fall prevention protocols were not followed, the nurse and the facility may be liable.
  6. Improper Execution of Procedures: Performing or assisting with medical procedures requires strict adherence to protocols. Errors during these procedures, from catheterizations to wound care, can lead to infections, injuries, or other complications.
  7. Failure to Obtain Informed Consent: While obtaining informed consent is often viewed as the physician’s responsibility, nurses may also be involved in the process, particularly in explaining the details and implications of treatment plans and procedures. Miscommunication or failure to ensure informed consent can result in legal claims.
  8. Violations of Patient Privacy: Nurses are required to protect the confidentiality of patient information. Breaches of privacy, whether intentional or accidental, can lead to lawsuits.
  9. Liability insurance is essential for nursesPressure Ulcers and Skin Integrity: Failure to implement appropriate skin care protocols or to adjust a patient’s position regularly can lead to the development of ulcers and subsequent lawsuits.

Malpractice or liability insurance provides nurses with financial protection against claims of negligence or malpractice, covering legal defense costs, settlements, and judgments. Given the diverse and complex nature of nursing responsibilities, this insurance is crucial for mitigating the financial and professional risks associated with their essential role in patient care.

what types of insurance do nurses need?

General Liability Insurance

General Liability Insurance

This is necessary for nurses with their own facilities. It  covers medical expenses and attorney fees resulting from bodily injuries and property damage your facility or 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, providing a blend of liability protection and property insurance.

Professional Liability Insurance

Professional Liability Insurance

Professional Liability Insurance overs any negligence or mistakes made by the individual medical professional during their practice. It differs from General Liability insurance, which covers the practice itself. 

Commercial Auto Insurance

Commercial Auto Insurance

This is relevant for nurses 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, to protect 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 Nurses. 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 increasingly crippling litigation.

Cyber Liability Insurance

Protecting healthcare organizations & professionals against cyber attacks.

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traditional insurance products

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    alternative structures

    Westwood President, Michael Richards has extensive experience in setting up alternative structures for larger clients. Here are some examples:

     

    If you think your client could be large and stable enough to benefit from starting or participating in a captive or has a special need for another alternative structure, contact Michael Richards now by phone: 855 351 7487.