Why Nurses Have Liability Insurance

Did you know that a nurse can be liable for damages and losses just as much as a doctor can be? Most people think that a nurse gets off free and clear when they make a mistake but the truth is that they are held to the same standard as a doctor is and that si why you need to have liability insurance on themselves.

One of the reasons there is professional liability coverage for nurses is because they make mistakes to. Think about it, if a nurse is doing all the checkup work on a child and they accidentally mess up the weight then this is where the insurance would come into plan. If there was a big disparity such as 83 pounds instead of 38 pounds then the medication that the doctor might prescribe would be way too strong for the infant. Trust me, this does happen more than you would know and sometimes the mistake doesn’t get corrected in a timely manner. This is an example of a nurse needing liability insurance for an error in paperwork, but there are other liabilities as well.

What if a nurse was in a hurry to get off of work and decided to skip the prescreening process all together and just decided to say the person was not allergic to anything and they had a clear medical history? Don’t you think this would create a liability for the nurse? Although this is an extreme example of not doing something, it could mistakenly happen. Being that the nurse would be liable for almost everything that happens thereafter it would be important for that nurse to have some kind of liability insurance because there could be a lot of damage due to malpractice. Now I know that this would not happen quite like I said but you never know to what extreme a nurse would forget something and that is why having the proper insurance is there.