What is Malpractice Insurance (aka Professional Liability Insurance) for nurses?

One of the biggest risks nurses face within the workplace is a medical malpractice claim. Medical malpractice is defined as professional negligence by a nurse, physician or other medical professionals while administrating a treatment or the omission of required medical treatment.

For a malpractice case to be made, it must clearly involve a person who has a duty of care, who demonstrated a failure to exercise care, resulting in injury or financial damages due to the failure of care.

Even if you are not found liable, a lawsuit can still be made for allegations that your practice failed to deliver promised services, displayed negligence while performing services or made critical mistakes and oversights while a patient was under your duty of care.

As a nurse, Malpractice Insurance is designed to provide peace of mind and financial protection, if you were faced with a claim for allegations of malpractice and could cover your legal defence costs.

Court costs can run into the hundreds of thousands of dollars, an added cost which many individuals cannot afford to financially bounce back from. Malpractice Insurance should be one of the first things you consider as part of your overall risk management plan, so you can focus on the things that matter like your patients and their improving their wellbeing.

Do nurses need their individual Malpractice Insurance?

While employers may provide some form of Professional Liability coverage, Malpractice Insurance provides additional coverage if a claim were to occur, so you’re not left in a situation without enough coverage in place. Being able to choose your own level and type of coverage, means you can have the right insurance coverage in place to suit your unique coverage needs.

It’s important to check what type of coverage your employer has in place, as it may not or stay in effect after you leave your employer. The employer’s policy may not provide coverage for the personal fees associated with the case, leaving you financially out of pocket.

Malpractice Insurance also covers any additional work done outside of the setting of your employer, which may not be covered. For example, if you stop to help someone in need of urgent medical assistance outside of work hours or if you volunteer at a free clinic, additional coverage may be required to ensure you are protected if a malpractice lawsuit was made against you.

Get instant quotes

21st Century QHC agency for Home care insurance company.
Tie J.
1685493503
Andrea Mcgee was great to work with
Audra M.
1685026766
Customer representative extremely professional and courteous!
DJ Jeff B
1684947758
I wanted to add another letter to one word on my street, and the website allows me to do that, and it took less than 5 minutes for them to approve the amendment. How wonderful, I love their service very much.
Ema F.
1684916946
Representative was very kind, helpful, and educated me well. I appreciated today's experience.
Tina P.
1684189305
Thanks for the overall service. The rates were great, and they were able to cover the services that was needed. Please call BIZinsure for your commercial needs.
Cheequanda M.
1682790376
Responsive and easy
Crime R.
1681773010
I have used BizInsure for 2 years and they make the renewal process quick and easy.
hospicecare 4.
1681475617
Excellent business and great people! They have out done our prior insurance of 23 years! Keep up the good work!
James F
1681249188
Very satisfied with the application process, Andrea was very helpful and friendly. Great service ! Thank you !
Don C.
1681232420
No waiting !!!
Renee G.
1681218692
Very good company to do business with.
Jeff M.
1681160334
Teven Lous was wonderful to work with. Thank you
Valerie K.
1680728932
js_loader

Popular Searches

Google Rating
4.5
Based on 121 reviews
×
js_loader