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Why nurses need insurance?

As a nurse, your career is focussed on helping people – from patients in need through to your co-workers and those within your community. But who’s looking after you?

At BizInsure, you’re in good hands with our selection of insurance products that are designed to provide you with the protection you need when providing care for your patients.

Did you know?

Most commercial leases require nurse to have general liability insurance.

Insurance for nurses

Our Miscellaneous Medical Liability package is tailored to cover the specific insurance needs of nursing professionals. The package includes Malpractice Liability, General Liability, Products / Completed Operations Liability and Cyber Liability.

Each of these types of insurances offers some form of protection against the risks your profession may be faced with, providing you with peace of mind and comprehensive coverage.

Malpractice Liability

One of the most common risks which nurses are faced within the workplace is being named in a malpractice lawsuit. This kind of risk is one which continues to grow and the results from a claim can not only be devastating to your reputation but also to you financially.

Having Malpractice Liability insurance gives additional coverage to the Professional Liability coverage which may be provided by the employer. There have been many nurses which have unfortunately experienced a malpractice liability claim and have found themselves in a situation without enough coverage.

Some of the things which Malpractice Liability may protect you from include:

  • Misinterpreting instructions provided by doctors and administering incorrect medicines
  • Mixing up patient files resulting in administering the incorrect procedure or medicinal treatment
  • Patients that may have been left alone and unattended for long periods of time
  • Giving incorrect patient information to the incoming nurse (shift change)

General Liability

One of the essential forms of insurance, General Liability insurance is all about protecting you against claims which may arise from third parties for:

  • legal liability for personal injury or
  • property damage caused during the course of your business.

No matter how careful you may be with your patients, the unfortunate thing is, accidents can happen and accusations can be made, regardless if you are personally at fault or not.

The related legal costs and potential penalties for a General Liability claim can cost a fortune and is a cost worth protecting yourself and your business from.

Cyber Liability

In the growing age of increased technology, especially within the workplace, comes the risk of cyber-crime. While you’re busy caring for others you don’t need the added worry of someone potentially stealing customer data from you.

Cyber Liability coverage provides that extra assurance when it comes to cyber risks because sometimes the insurance the hospital provides and has in place will not provide sufficient coverage in the event of a cyber-crime.

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