liability insurance for nurses

Liability insurance for Nurses

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

Quick Quote for liability Insurance


why do nurses need insurance?

Nurses, like other healthcare professionals, face various challenges in their work that could intersect with the role of commercial insurance. As an insurance agent, understanding these challenges can inform your approach when offering relevant coverage solutions, particularly liability insurance for nurses. Here are a few of the key challenges they face:

  1. Workplace Safety: Nurses are at risk of various occupational hazards, including exposure to infectious diseases, physical injuries from lifting or moving patients, and violence from patients or their family members. Policies that provide coverage for these risks can be highly appealing to nurses and their employers.
  2. Professional Liability: Nurses can be held legally liable for patient harm resulting from their care, leading to potential malpractice lawsuits. Professional liability insurance (also known as malpractice insurance) is essential for nurses to protect themselves from the financial implications of such lawsuits.
  3. Staffing Issues and Overwork: Many nursing environments suffer from understaffing and overwork, leading to burnout and a higher chance of mistakes that could result in patient harm. While insurance doesn’t solve these problems directly, offering wellness resources or coverage that includes mental health services could help support nurses.
  4. Rapidly Changing Medical Practices: As medicine evolves, there is a need for continual learning and adaptation. Nurses must keep up with these changes, and they may face increased risks if they are not adequately trained on new procedures or equipment. Ensuring that professional liability coverage reflects these evolving risks is important.
  5. Telemedicine and Remote Care: The rise of telemedicine presents new challenges and liability concerns for nurses. Commercial insurance agents should be aware of these changing dynamics and the potential need for coverage that addresses these new modes of care.
  6. Cyber Liability: With the increasing digitization of medical records and healthcare services, the risk of data breaches has become a significant concern. Nurses are often responsible for handling sensitive patient data, and a breach could lead to serious legal and financial repercussions. Cyber liability insurance can help manage this risk.

Understanding these challenges can allow you to better align your insurance products with the needs of nurses, offering coverage that provides comprehensive protection while also addressing some of their most pressing concerns.

what types of insurance do you 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.

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. 

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.

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.

Telemedicine Malpractice Insurance

Telemedicine Malpractice Insurance

If you are diagnosing patients or advising them online, his protects you against liability claims that could result from tech-related activities, cybersecurity incidents, and system failures of digital healthcare provision.

Contact Michael Richards now

Michael and the team at Westwood Insurance Group specialize in sourcing the best insurance for medical professionals and facilities at competitive prices.

You can call him on the number below or fill out the form and he will get your message directly:

Michael Richards

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.

please feel free to contact us 24/7

Email

Click here

Phone

216.539.0841
855.351.7487

insurance for hospitals

Hospital Insurance typically covers all or part of the potential liability for hospital services. It includes medical malpractice, accidents involving hospital employees and equipment, care during surgery or any other invasive treatment, after-hours care arrangements by staff who need help with their children and more.

insurance for long term care facilities

Long term care facilities must protect themselves against potential liability arising from incidents within their facility. Westwood can help you negotiate a package tailored to your long term care facility client.

traditional insurance products

Westwood have fostered exceptional relationships with underwriters and we go to great lengths to keep abreast of their latest products, changes in requirements and restrictions, including having weekly calls with the carriers, which you can see here, by joining our insurance insider group.

    Insurance products at Westwood Insurance Group

    You can find more information on the Insurance Products main page.

    If you have any questions on the different policies, check out our Insurance FAQ’s

    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.