When it comes to healthcare providers, most physicians may carry personal malpractice insurance in addition to any liability insurance that may cover them under an employer’s group policy. Many nurses, however, may rely solely on their employer’s professional liability policy for malpractice coverage instead of obtaining personal coverage. Here are some common myths about professional liability insurance for nurses.
Coverage Under the Employer’s Group Policy Is Sufficient
Employer’s liability policies can have many limitations and exclusions. These limitations and exclusions can result in reduced or denial of coverage for lawsuits that can involve you.
If the duties that you performed that led to the incident were not part of your job description, your employer may not use their policy to defend you.
Your employer’s policy may not cover you for any claims filed after you leave employment, even if the incidents occurred while you were employed.
Only Doctors Get Sued for Malpractice
Doctors may not be the only ones who can be sued for malpractice. Anyone who is involved in patient care can be sued for malpractice if a patient is harmed. Many times, the entire care team can be named in a malpractice lawsuit.
Having Personal Coverage Can Make Nurses More Likely To Be Sued
Since plaintiffs and attorneys can only obtain information regarding who has malpractice insurance after a lawsuit is filed, having professional liability insurance for nurses may not have an effect on the frequency or number of lawsuits filed. Nurses with liability coverage can be just as likely to be sued as those without coverage.