Employed As A Nurse? Why You Need To Have Your Own Medical Malpractice Insurance
Posted on: 3 February 2020
If you're a nurse, you may think that you don't require medical malpractice insurance, especially if you've noticed that most malpractice policies seem to be geared towards doctors. However, that's not actually the case. As a nurse, you're at risk for medical malpractice claims. Unfortunately, if you don't have adequate medical malpractice insurance, you may be at risk for financial disaster. If you're not sure that you need medical malpractice insurance, take a look at the information provided below. If any of these situations relate to you, it's time to invest in your own policy.
Your Employer May Not Provide Protection
If you're employed as a nurse, you may feel that your employer will provide you with all the protection you'll need in the case of medical malpractice. Unfortunately, that's not necessarily the case. There may be times where the medical malpractice insurance that's in place won't provide you any protection at all. This is particularly true where you've been singled out for malpractice, or where your employer is the one claiming malpractice on your part. To make sure you have the protection you need if those situations arise, you should invest in your own medical malpractice insurance.
You're Working as an Independent Contractor
If you're working as an independent contractor, you need to carry your own medical malpractice insurance. Nurses who work as independent contractors are not covered by umbrella policies that most hospitals, clinics and medical practices carry. Make sure you have the protection you need as an independent contractor by maintaining medical malpractice insurance.
You Work for a Small Medical Clinic
If you work for a small medical clinic, they may not be able to provide you with medical malpractice protection. This is particularly true of small clinics that provide services for low-income families. If they do provide medical malpractice insurance, the coverage may not be enough to provide you with the protection you'll need. To make sure you have the coverage you need should a problem arise, provide for your own medical malpractice insurance.
You Volunteer Your Time After-Hours
If you donate your time after-hours, you may not be covered against medical malpractice claims, especially if you don't have your own insurance. Most employers don't provide medical malpractice protection for situations that arise while not at work. Unfortunately, that means you'll be left without medical malpractice insurance protection should one of your volunteer jobs result in a malpractice claim. The best way to make sure that you have the protection you need to continue with your volunteer work is to invest in your own medical malpractice insurance.
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