As a nurse, you’ve dedicated your career to the health and wellbeing of others. Unfortunately, mistakes can happen, and when they do, it’s best to be prepared with nurses professional liability insurance. Although many employers provide broad malpractice coverage for their employees, it may not always be comprehensive enough to protect you in the event of a lawsuit. A dedicated nurses professional liability insurance broker can help you augment your existing coverage to protect you in the case of litigation.

What does nurses professional liability insurance cover?

Nurses professional liability insurance is a highly specialized policy, which can cover everything from sexual misconduct claims to HIPAA privacy violations. In a lawsuit, you stand to lose more than just your license. Medical lawsuits tend to name as many defendants as possible to maximize the potential payout for the victim. Even if you had little personal involvement with a wounded patient, the cost of skilled legal defense can jeopardize your financial security. In some cases, your existing assets, such as your home or car, can even be at risk. Professional liability insurance can protect what’s most important to you, as well as offset the costs of your legal defense.

As a nurse employed by a larger company, you deal with unique insurance risks. Although it can be tempting to forgo your own policy, it is undeniably the best way to protect your investment in your education and your career. Your employer’s insurance provider is obligated to look out for the company’s bottom line. Occasionally, this can mean their defense team may not have your best interests at heart if the case goes to trial. If you are forced to assume full personal liability, the cost of the judgment may exceed the coverage amounts your employer maintains for employees. In this case, you can be faced with high out of pocket expenses. With an individual professional liability policy, you are the highest priority for your insurance provider.

Why do I need a nurses professional liability insurance broker?

Whether you’re a recent graduate or a nursing veteran, working with a nurses professional liability insurance broker will help you ensure that you’ve selected the best coverage for your unique needs and risks. At Frankel & Associates, we evaluate possible policies based on a variety of factors such as premium costs, individual liabilities, and the providers previous claims response history. As a result, you’re able to save time and money by considering only plans that meet your requirements!

Selecting a nurses professional liability policy as an individual can be extremely time consuming and confusing. Obtaining accurate quotes requires speaking with providers directly, as well as providing dozens of personal, identifying details. When you work with a nurses professional liability insurance broker, we evaluate your needs first. Every profession is different, and the brokers at Frankel & Associates get to know you before presenting you with policy options. Our focus is obtaining the best coverage for the right price, not upselling an expensive package. With our exceptional customer service, finding a nurses professional liability insurance policy has never been easier!