Nurses are overworked. It’s a known fact that has created proposed legislation to prevent nursing fatigue in the H.R. 2083: Registered Nurse Safe Staffing Act of 2015. Should the bill pass, it does not negate the need for professional liability insurance for nurses, however.
Nursing Fatigue Errors
Nursing fatigue errors that could result in a claim of negligence include mistakes in administering medication, delayed reaction to emergency situations and failure to implement a treatment plan properly. Should any of these incidences occur, a patient may have a claim for damages.
Professional liability insurance for nurses work just the same as medical malpractice insurance for doctors. This coverage is designed to protect the nursing staff in the event of an unfortunate incident. Depending on the needs, coverage may insure you up to $3 million per occurrence and can include general liability, professional liability or both.
Today’s healthcare also takes professionals into patients’ homes, which has caused an increase in patient abuse allegations. When looking into liability insurance for your healthcare network, consider adding sexual abuse coverage ranging anywhere from $25,000 to $3 million to your insurance policy.
Professional liability insurance for nurses is crucial to any healthcare provider, whether on-site or in-home. Work with an insurance wholesale broker that specializes in customizing policies to meet your exact coverage needs.