Most hospitals and care facilities
which employ nurses carry insurance policies meant to cover the facility in the event of a malpractice lawsuit. To
an extent, such malpractice insurance policies also cover the employees of the facility. However, the first goal of
such policies is to protect the hospital or other organization as a whole, rather than the individual
Because the hospital’s insurance may not be sufficient to cover individual employees, more and more nurses are
choosing to purchase their own nursing malpractice insurance. It actually makes good sense to purchase additional
professional liability coverage. After all, most people would agree that insuring things like a house and a car are
just good common sense. Professional liability insurance protects a medical professional’s career, which can be
seen as their most important asset.
Insurance - Why Do You Need It?
Some nurses mistakenly believe that
carrying additional nursing malpractice insurance will actually make them susceptible to malpractice claims;
however, there is no truth to this misconception. The truth is that any patients treated by the nurse have no way
of knowing that that health care professional carries additional insurance coverage. Therefore, carrying their own
insurance policy provides the nursing professional with a high degree of peace of mind, without necessarily leaving
them vulnerable to spurious lawsuits.
Some nurses think that because they are a competent, confident professional, they do not need malpractice
insurance. However, anyone working in the health care field who regularly comes into contact with patients should
have this coverage. Accidents and mistakes can occur occasionally, and even when they don’t, it’s possible for a
patient to sue for malpractice. Whether the nurse is sued for negligence by act or omission, or whether they are
sued wrongfully, a malpractice lawsuit is an expensive undertaking.
Nursing Malpractice Insurance
Nurses who do not have nursing
malpractice insurance will find that they are responsible for expenses like attorney and court costs. In addition,
they may have to miss work while the case is ongoing, resulting in lost wages. Even if the nurse wins the court
case and is proved to not have been negligent, they are still responsible for attorney fees and court related
With malpractice insurance coverage, it’s a very different story. With such insurance, the nursing professional can
afford to hire an experienced, reputable attorney and pay all related courtroom costs. They may also have coverage
for lost wages , lending enormous peace of mind under trying circumstances.
Last modified: May 15, 2011