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The Importance Of Liability Insurance For Student Nurses
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The Importance Of Liability Insurance For Student Nurses

All student nurses need to have student nurse insurance. This will cover you all the way through your studies until you become fully certified. After that it will change to “nurse insurance”. Having insurance through your studies is extremely important and here are just a few reasons why.

First of all the insurance covers all students against any professional liability. This may happen due to an innocent act while working, but is detrimental to the patient which you may be deemed liable. Having the liability protection will help during any lawsuit that may arise from the incident. There are also constant changes to the legal and health sectors, which now make it easier for patients to sue their healthcare providers, but with the correct policy the student nurse insurance will offer protection against that.

This is something that should be seen as an investment of protection and not as a cost. The best way to benefit from the insurance is by taking out a policy as soon as you start your studies. In fact, student nurses can gain insurance for as little as around 10 dollars a month or even cheaper. The rate is affordable for all students and may even be required at you university.

Most insurance agents can help show you what is available in your area. Getting liability coverage may seem like a hassle, but when you see what it covers it may well open your eyes to the type of situations that you will be facing in your new profession.

Nurses who are just entering their field fulltime as a Registered Nurse may be wondering why do i need nurses liability insurance? As you graduate out of school and work in a hospital you are put into positions where you will be giving meds, administering shots and generally being in a spot where you can accidentally harm someone.

Nurses are professionals who provide a service to patients within a clinical setting. As such, mistakes can happen due to human error and if certain treatments provided by a nurse causes harm to a patient, then a lawsuit may be filed by that patient and a nurses may be named in that suit. Liability insurance helps to protect nurses in the event of such a filing.

Personal liability insurance will pay for the defense along with any settlement or judgment against that nurse, up to the policy limit. Malpractice suits can be rather costly, in terms of the lawyer fees as well as the settlement and liability insurance will protect nurses so that their personal finances are not garnished. Employers may offer malpractice insurance and a nurse should inquire just how much the insurance is and what it covers.


Street Talk

patrick14  

Great article

Reply
  about 7 years ago

Nicely written Betsy...Liability Insurance seems to be a norm for a lot of trades. Thanks.

Reply
  about 9 years ago
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