General liability policies do not ensure protection for the professional against arising negligence, misinterpretation, and malpractice. Professional liability insurance (PLI) is the coverage for nurses, lawyers, or other workers that protects them from their clients’ claims and complaints (Westrick, 2014). Medical malpractice falls under this type of insurance to prevent nurses, physicians, and other medical staff from the alleged prosecution. Therefore, a hospital worker must be aware of the PLI.
Four nurses have been interviewed for this assignment. Three of the interviewed nurses reported having individual liability insurance; the other nurse was satisfied with the healthcare organization’s insurance. The majority claimed that individual kind of policy is beneficial because a complaint may arise from a colleague or a hospital. Moreover, it is an ability to practice and receive benefits as a nurse. These points were identified as the most popular for obtaining the individual plan; however, there is also one reason against unpredictable premium cost determinants (Clarke, 2017). The grounds were valid and fully corresponded to the nurses’ guesses.
All nurses interviewed were professionally insured and considered the coverage as an opportunity to protect themselves. However, they did not know several options the insurance provided. For instance, they were unaware that such a plan covers the violation of confidentiality or slander (Clarke, 2017). Furthermore, it ensures that a nurse may rest, knowing they do not have to pay compensation. As a result of the discussion, nurses received new information about the professional liability policy; one of the nurses decided to obtain the individual plan.
In conclusion, what I found out is that the PLI serves as a reliable protection for a nurse against slander, claims from patients, colleagues, or hospitals. Besides, I learned that it covers all the expenses, prevents the alleged suitcase, and allows workers to be confident about their actions. Therefore, each nurse has to obtain it to create a safe working environment and stay secure.
Clarke, M. (2017). The law of liability insurance. Routledge.
Westrick, S. J. (2014). Essentials of nursing law and ethics (2nd ed.). Jones and Bartlett Learning.