Q:

What are some benefits of professional liability insurance for nurses?

A:

Quick Answer

Professional liability insurance provides assistance to nurses when they are accused of malpractice and offers payments for earnings lost due to attendance at court hearings and depositions, explains the American Association of Critical Care Nurses. Professional liability insurance provides legal representation, as well.

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Full Answer

Nurses who opt for professional liability insurance are typically covered for incidents that occur in both personal and employment settings, explains the American Association of Critical Care Nurses. Employer coverage may be available, but is not always adequate to cover indemnities nurses face while defending a suit. Employer coverage is commonly shared by multiple parties at a medical care facility, whereas private professional liability insurance covers legal representation and damages for the full incident. Coverage can also be customized for the individual nurse when opting for professional liability insurance versus some employer-based insurance.

Nurses have constant coverage when opting for professional liability insurance that is maintained during a job change or when nurses are off duty and an incident occurs, according to the American Association of Critical Care Nurses.

Nurses can obtain professional liability insurance from private insurance agencies or acquire discounts through professional organizations, explains the American Association of Critical Care Nurses. Insurance availability is subject to the laws governing each state, as stipulated by the state's insurance department.

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