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Even with the best intentions, accidents and mistakes in healthcare do happen. That said, many nurse practitioners do not carry any type of liability insurance. Nurses, as well as doctors, can be sued for medical malpractice at any time. When you’re considering purchasing your own professional liability policy, it’s important to be well informed about medical malpractice and how it can affect your future options before you make any final decisions.

What is Medical Malpractice?

According to LegalZoom, medical malpractice is defined as ”[…]the health care provider did not follow the standard of care in the profession in that area. The mistake the health care provider made must actually result in harm to the patient.”

Malpractice can happen at any point in a patient's treatment and in any kind of healthcare setting. With an individual professional liability policy, nurse practitioners have the ability to protect their reputations and personal assets.

Won’t I be covered under my employer’s policy?

You’ll likely be covered up to a certain extent, but you may be sharing the limits of the policy with the other healthcare providers involved in the claim. With your own policy, an insurance company will be working directly with you, not your employer, in the event of any claims made against you. In the worst case scenario, an employer could file a claim against you, if your actions did indeed cause a patient harm. In that situation, your employee coverage would be terminated.

With an individual plan, it’s also likely to transfer with you from employer to employer, giving you the peace of mind that your assets are protected no matter where you work.

Aren’t I more likely to be sued because I have insurance?

This is a myth. How could someone know that you have a professional liability policy unless you offer up the information? A lawyer will only find out if you do or do not have liability insurance AFTER a lawsuit has already been filed. This information is not public record.

How can I get a professional liability policy?

After you’ve considered all the options, the decision to buy an individual policy is a highly personal decision. There are policies available at different levels based on what you think is necessary. Determine whether an "occurrence-based" or "claims-based" policy fits your needs. Find out how you can protect your savings and future earnings as a nurse with an instant quote from Simple Sure today.

Put your career, nursing license, and personal best interests first. With your own policy, enjoy peace of mind knowing that your assets are protected.