Do Nurses Receive Coverage Through Their Employer?
Whether nurses can rely on an employer’s coverage is a complex question that depends on multiple factors. The employer’s coverage and the type of employment both may come into play.
Nurses who are salaried employees often do receive nursing malpractice coverage through their employer, although there can be limitations to how much protection this provides.
First, an employer’s limits may leave a nurse with little protection if there’s a large claim filed against the employer and multiple people. Should the limit be reached before the nurse’s claim is paid, the nurse could face substantial out-of-pocket expenses. Second, an employer’s coverage usually will only extend to work that’s done for the employer and not any side gigs.
Second, nurses who work as independent contractors can still receive coverage from their hiring organization, but they sometimes are less likely to receive coverage. If coverage is provided, the same potential coverage concerns related to limited protection exist.
Because employers don’t always provide coverage and there are potential concerns even when they do, nurses may want to purchase their own nurse insurance policy. An insurance agent who’s familiar with these policies can help evaluate a particular situation and make an informed recommendation as to whether purchasing a policy makes sense.
Does Carrying Nurse Insurance Make Someone a Target for Lawsuits?
Sometimes nurses mistakenly believe that simply carrying nurse insurance can increase the likelihood of a liability lawsuit. This generally isn’t true, however.
Whether a nurse carries liability insurance is normally considered confidential, so patients usually won’t know that a nurse has their own policy unless the nurse divulges that information. In many cases, patients who have malpractice claims don’t know who has individual coverage until a lawsuit is filed.