Nursing has long been touted as a celebrated career. A nurse is someone who has been schooled in the ability to care for the sick or injured and is a licensed to perform related duties. In previous years, nursing was pursued solely by females. Much to the advantage of the medical field, today's society promotes the notion of both male and female nurses and the metamorphosis in roles has made vast strides in patient care.
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Similar to a physician's liability risks, the practicing nurse is exposed to work hazards or perils that may lead to lawsuit or insurance claims against them. Due to this, it is imperative for anyone in the profession to be shielded by a corresponding tailored insurance policy.
Related insurance coverage includes:
• A Nurse Practitioners Plan
• A Nurses Professional Liability Plan
• A Nurse/Midwives Professional Liability Plan
The difference in protection reflects the varying services each nurse provides, along with the respective perils.
A) Nurse Practitioner Coverage
This form of indemnity is relation to the duties of a nurse practitioner. A nurse that has earned his or her Masters or Doctors degree and is certified to practice by the Nurses Board in the state of employment, the nurse practitioner is bound by the distinctness of the individual state regulations. While some states allow this professional to go about responsibilities without the directive of an official physician, others mandate that they must work under the guidance of a medical doctor. While some states allow the nurse practitioner to write their own prescriptions, others do not allow it. As such, every insurance plan is written according to the individual state requirements.
B) Nurses Professional Liability Coverage
Professional liability insurance protects a nurse from law suit allegations. This includes those reflecting malpractice, as well as errors and mistakes made while caring for and servicing any patient.
C) Nurse/Midwife Professional Liability Coverage
This insurance is designed to protect the nurse/midwife from charges made against her in regard to malpractice and errors while performing related care and functions. This particular insurance coverage can be purchased to benefit the nurse/midwife through a group policy that is sponsored by the corresponding nurses' association. Otherwise, it can be obtained by the nurse/midwife that works as an independent medical professional.
In order to acquire customized coverage, it is recommended that those in the nursing profession confer with an agent from an experienced independent agency - one that has access to many related policies offered by many of the prominent companies.
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