Nurses are trusted medical professionals who provide patient care. In the course of their work, nurses may be subject to a variety of claims. These may include medical malpractice claims filed by patients or their families, as well as claims for wrongful death or catastrophic injuries. Professional liability insurance (PLI) protects professional healthcare providers from these types of claims and allows them to continue providing quality patient care with peace of mind. Nurses should confirm that they have adequate PLI coverage before leaving an employer’s position or taking a short-term assignment.
Nursing Professional Liability Insurance
1 Nursing Professional Liability Insurance (NPLI)
Nursing Professional Liability Insurance (NPLI) protects nurses against liability claims by patients, families and others related to the nurse’s work in the practice of nursing. It has no deductible and provides $25,000 of coverage if a claim arises out of a nurse’s participation in a disaster relief program.
The NPLI policy also covers defense costs related to allegations that may be made against you as a result of your professional actions or omissions while performing your duties as an RN:
- Premises liability claims – accidents on your employer’s premises
- Malpractice claims – errors in patient care due to negligence or poor judgment
- Sexual harassment cases involving a patient who is not related to you
- Wrongful death cases brought by family members when they believe you could have done more to prevent it
2 NPLI protects nurses against liability claims by patients, families and others related to the nurse’s work in the practice of nursing.
NPLI is not medical malpractice insurance. NPLI does not protect against claims for injury or death caused by negligence in treatment, diagnosis or other aspects of patient care.
NPLI is not disability insurance. NPLI does not pay benefits to you if you become disabled due to an illness or injury unrelated to the practice of nursing.
NPLI is not life insurance. NPLI does not pay benefits upon your death if it occurs because of an illness or injury unrelated to the practice of nursing; however, many states require that you maintain a separate policy for this coverage (in addition to any other type of life insurance).
3 NPLI is necessary for all RNs and LPNs who provide patient care.
Nursing professional liability insurance is necessary for all RNs and LPNs who provide patient care. If you are an RN or LPN and do not provide direct patient care, you do not need NPLI.
If you are a nurse but not an RN or LPN, NPLI is also not necessary.
4 NPLI has no deductible and provides $25,000 of coverage if a claim arises out of a nurse’s participation in a disaster relief program.
The NPLI has no deductible, which means that you won’t have to pay any money out of pocket if a claim arises. For example, if you’re involved in a car accident and it’s found that the other driver was at fault for the collision, your NPLI carrier will reimburse you for any medical costs and damages sustained as a result of the accident. If both parties are at fault for an accident but only one party seeks medical attention after being hurt, then it’s likely that their medical bills will be paid by their own insurance company and they’ll need to seek reimbursement from their own insurer later on down the line.
NPLI coverage includes $25,000 worth of protection against losses incurred during disaster relief activities like assisting with evacuations or providing humanitarian aid following natural disasters like hurricanes or floods.
5 Some employers may cover NPLI for their employees. It is important to verify that this insurance is active before leaving an employer’s position or taking a short-term assignment.
It’s important to verify that this insurance is active before leaving an employer’s position or taking a short-term assignment.
Verify the policy by contacting the insurance company or employer. The insurance company should have a record of the policy, and it should be in effect.
If you’re unsure about your NPLI coverage, ask your nurse manager for documentation on their policy status and review it carefully before leaving their employ or heading out on assignment with another provider.
6 All nurses should have liability protection when providing patient care.
The importance of having an NPLI policy
Nurses need to have professional liability insurance (NPLI) while they are providing patient care. The cost of a simple mistake in the medical field can be devastating, and nurses should seek out professional protection against such mistakes. As part of their obligation to their patients, all nurses should be insured against malpractice claims, especially those that might result from a serious injury or death.
Professional liability insurance (also called medical malpractice insurance) pays for legal expenses incurred if you’re sued by someone who believes you mishandled their case – whether it was a minor injury or a life-threatening issue like surgery complications. For example, if you’re treating an elderly patient with brittle bones who falls down and breaks her hip during your shift because she slipped on something left behind by another nurse as they cleaned up after breakfast—and then dies from complications related to the fracture—you could be sued for negligence because you did not properly prevent this fall from happening in the first place (or were slow at responding). While no one wants this kind of situation hanging over them unnecessarily—especially since most cases never go anywhere legally speaking—having expert legal representation on your side during these stressful moments goes along way towards helping them move forward with confidence as well as peace of mind!
We hope that this article has helped you better understand the importance of having NPLI coverage. It is crucial for all nurses who provide patient care and have not been employed with their current employer for at least one year. If you have questions about any aspect of this insurance, please feel free to contact one of our licensed agents by calling (800) 772-6699 or visiting us online at www.nursingworldinsurance.com