What is Malpractice Insurance for Nursing Professionals?
Nursing malpractice insurance provides professionals with protection from patients or coworkers who claim their negligence at work caused an injury. This could be a wrong diagnosis, a sexual assault claim, an infraction of HIPAA privacy laws, or any claims of negligence. While many employers may offer coverage against malpractice related claims, the interests of the employee are viewed as secondary.
With individual nurse malpractice insurance coverage, the monetary coverage and policy benefits are guaranteed for the policy owner’s sole use. Nursing liability insurance protects you from litigation expenses, as well as gives you a team of industry experts that fight for your personal assets, professional credentials, and financial future.
What Types of Nurse Malpractice Insurance Policies Does CM&F Offer?
Two Types of Nursing Malpractice Insurance Policy Options:
There are two types of basic malpractice insurance policy options: Occurrence and Claims-Made. CM&F offers occurrence malpractice insurance for nurses, in addition to claims-made policies. An occurrence policy means that if a claim is made against a nurse regarding a past incident that occurred during a time they were previously covered under CM&F liability insurance, that claim will be covered by CM&F even if the nurse has since ended their liability coverage. Since most malpractice claims are made 18-24 months after an incident occurs, this type of protection is very important. Claims-made insurance policies only protect professionals if they have insurance at the time of the claim. With occurrence policy insurance, there is no need for nurses to renew or buy tail coverage should they choose to leave CM&F or retire.
Where is My Nursing Insurance Applicable?
CM&F malpractice insurance for nurses is portable, which means as the nurse moves, so does the coverage. CM&F’s malpractice insurance is attached to the individual nurse, not their place of work. Not having your own, portable coverage separate from your employer’s shared policy limits your protection to duties performed for that sole practice. For nurses who moonlight, are locums tenens, work at multiple places, or have private clients, a portable malpractice insurance plan is a must – and with CM&F, only one policy is required to cover the individual at any amount of workplaces.
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