When you pursue your dream of being a nurse, you probably do not think about things like malpractice lawsuits. The truth is that having nursing liability insurance is a crucial part of your career as a caregiver. If a patient were to bring a lawsuit against you, having your own insurance may be the extra protection that you need.
How Much Insurance Do You Need?
Figure out how much insurance you need so that you can purchase a plan well within your budget. Consider the following factors:
- How much coverage you can get through your employer
- The length of your current employment
- Whether you are an RN, LPN, or CNA
- The location of your hospital or medical facility
Know your employers insurance policy well so you can purchase your own policy to cover the weak spots. It is always a good idea to speak with a nursing liability insurance agent to figure out the best coverage plan for your needs.
Do You Really Need Insurance?
Even if you are extremely careful at work, you may still be accused of malpractice. It is unfortunate, and a lengthy appeal with the Board of Nursing may ultimately cost you a lot of out-of-pocket money. Protect yourself and your career by purchasing nursing liability insurance.