Professional Protection for Registered Nurses
Nurses choose their profession because they are committed to caring for others. But if mistakes happen, they may find that no one is there to care for them. RN liability insurance provides individual nurses with the protection they need to practice confidently, knowing that if problems arise, they have a resource to rely on.
Nurses and Medical Claims
We typically think of malpractice claims as a doctors problem, but in the decade from 2003-2013, the National Practitioner Data Bank shows that 100,709 adverse actions were taken, and 3,743 medical malpractice payments were made for RNs.
What Does Liability Insurance Cover?
Liability insurance is designed to protect you against covered claims that arise as a result of real or alleged errors and omissions in care, including neglect. You may believe that you are covered by the facility where you work, but a facility policy may not provide enough protection. Common gaps in coverage include:
- an employer policy with limits that are too low to protect all staff
- lack of insurance when you are volunteering or self-employed
- suits filed after you have left your job
Mistakes Can Happen
Even the best nurse is not perfect, and even exemplary nurses sometimes have bad days. RN liability insurance can give you the peace of mind you need, so that you can focus on the work you love.