Why Nurses Need Malpractice Insurance
March 27, 2025
As a nurse, your priority is providing exceptional care to your patients. We want this to always be your priority, and the best way to get peace of mind is with liability insurance. Even the most experienced and careful professionals can encounter unexpected legal challenges.
Why Malpractice Insurance Matters for Nurses
While some employers provide liability coverage, it may not be enough to fully protect your career. Employer policies often focus on the organization’s interests first. This can leave nurses underinsured and at risk. Many policies only cover work done at that specific facility. They may not include side jobs, volunteer work, or consulting. If both you and your employer are sued, their legal team may not prioritize your defense.
1. Protection Beyond Employer Policies
- Employer-provided coverage may not fully protect you in every situation.
- The most common coverage doesn't include incidents outside of work or during volunteer activities.
- If you change jobs, your coverage could lapse, leaving you exposed to potential liability, even years down the road.
- If both you and your employer are named in a lawsuit, their legal team may prioritize the organization’s interests over yours.
2. Legal Risks in Nursing
Nurses face risks such as medication errors, documentation mistakes, and patient injuries. Even a minor oversight can lead to disciplinary action, a lawsuit, or a licensing board investigation. Malpractice claims can be financially devastating, even if you aren’t found at fault. Legal fees and settlements can quickly add up. For a fraction of what a single legal consultation may cost, you can have comprehensive protection for your career.
3. Peace of Mind for Independent Practice
Nurses handle critical tasks like giving medications and keeping accurate patient records. Mistakes can lead to serious legal and financial issues. Malpractice insurance helps protect you from these risks. This is especially important for travel nurses, telehealth providers, and those working at multiple locations. Proliability offers strong coverage whether you work in a hospital, clinic, or through telehealth.
Key Features to Look for in Malpractice Insurance
When selecting malpractice insurance, it’s important to find a policy tailored to your needs. Here’s why Proliability is the best choice for nurses:
Occurrence Coverage
Proliability offers occurrence-based coverage for all allied health professionals, including nurses. Unlike claims-made policies, occurrence coverage protects you from incidents that happen during the policy period, regardless of when a claim is filed. This long-term protection ensures peace of mind without the need to purchase tail coverage later.
Coverage Limits
Proliability provides robust financial protection with limits up to:
- $1 million per occurrence
- $6 million aggregate
Legal Representation
Proliability pays for legal defense costs on top of your policy limits. This preserves your full coverage for settlements or judgments. You will have dedicated, expert representation to defend your interests.
Licensing Board Reimbursement
Nurses can receive financial support for legal fees and related costs during licensing board investigations:
- Up to $10,000 per incident
- Up to $25,000 per policy period
Board complaints are increasingly common, and even a minor issue could put your license at risk. Proliability ensures you have the legal resources needed to protect your career.
HIPAA Coverage
Proliability policies include:
- $25,000 in protection for HIPAA-related fines, penalties, and notification expenses
- Essential safeguards against privacy violations
Risk Management Resources
Stay proactive with Proliability’s suite of tools:
- RiskFit® assessments
- Monthly tips
- Access to expert risk consultants
These resources empower you to minimize potential liability and enhance patient safety.
Portable Policies
Proliability’s policies move with you throughout your career. Whether you’re transitioning between employers, practicing telehealth, or working part-time, your coverage stays with you.
Why Nurses Trust Proliability
Proliability is the trusted choice for nurses nationwide. Proliability offers affordable premiums, excellent customer service, and an easy application process. With decades of experience, we provide reliable protection for healthcare professionals. Our occurrence-based coverage ensures long-term benefits and peace of mind.
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