Should Nurses Invest in Malpractice Insurance?

Malpractice Insurance

Medical malpractice has been on the rise in recent years, and it’s not just physicians and surgeons who need to worry. Claims against nurses are increasing as well. Any wrongful act by a medical professional is considered medical malpractice. While nurses may assume that their employer’s liability coverage will protect them if a claim is issued, that’s not always the case.

Liability Coverage for Nurses

When a nurse is sued for malpractice, in many cases the hospital or health care facility doesn’t have enough liability coverage to fully pay for the legal fees. In addition, part-time nurses may not have the same benefits as full-time workers. In these circumstances, nurses carry much of the financial burden themselves. Thankfully, the Nurses Service Organization, offers NSO malpractice insurance to protect nurses in many situations, including:

  • Misconduct and abuse claims
  • Failure to exercise care
  • Claims involving injury or other damages to a patient due to improper care
  • Information privacy (HIPAA) claims

Medical malpractice insurance also protects against discipline issues brought by the health care facility. The annual premium for NSO malpractice coverage is usually quite reasonable.

Investing in nursing malpractice insurance is an individual decision. When factoring in the risks of going without coverage, however, the low cost makes the decision much easier.