Most medical doctors and physicians carry professional liability insurance, and it is a smart thing for nurses to purchase as well. Even though you are taking directives from a doctor, as a nurse you are the primary care provider for hospital patients. It is not uncommon for a patient to file a complaint against you, even if you have done nothing wrong. Professional liability insurance for nurses is an essential part of the health care business.
Why You Need Liability Insurance
You may think that malpractice insurance is optional, and while that is technically true, you can hurt yourself in the long run if you practice medicine without a personal policy. Consider these factors when thinking about insurance:
- Even if you have not made a mistake, a patient may still file a complaint against you.
- Your company’s liability limit may not provide enough coverage.
- Your employer’s insurance may deny you coverage if there is a conflict of interest.
Why Malpractice Insurance Is Not as Costly as It Sounds
Finding affordable professional liability insurance for nurses is not as difficult as you may think. Depending on where you live, you can purchase a policy for less than $100 per year. Speak to an insurance agent to find the best coverage for your needs and protect your nursing career in the process.