A patient suing for malpractice and negligence is going to hurt your reputation and your bank balance. Protect both with insurance for nurses.
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Malpractice – for bodily injury, illness or death of clients caused by your negligence
Indemnity – for breach of care, confidentiality, or dishonesty
Patient care has the potential to go wrong in all sorts of ways.
Did you remember to record that change in a patient’s condition? Was that dosage right? Can you say that patient was moved with the right care and supervision?
And if things do go wrong, ‘where there’s blame there’s a claim’ can lead to all sorts of problems. Someone saying you’ve made a mistake is a costly and worrying thing.
Nurses’ indemnity insurance is the protection you need. Your policy covers your legal defence costs and, if you’re at fault, the compensation you have to pay injured people. Think of it as the thing that looks after you when you look after others.
Malpractice and negligence sound like big, serious-sounding things. And they are. So top of your insurance shopping list should be a policy that includes medical malpractice and professional indemnity insurance to defend you against claims of both those things. Non-NHS nurses have to have professional indemnity insurance as part of NMC registration, too.
Accidents happen, of course, so public liability insurance helps cover legal expenses and compensation you have to pay if you damage something or someone at work.
If you’re keeping client records electronically you’ll need to cover the cost of dealing with data breaches, hacks and cybercrime with cyber insurance.
There’s not much this nurses’ insurance policy doesn’t cover. Whatever your field, you’ll likely find protection here. Here’s an idea of what’s covered:
General nurses, mental health nurses, health visitors and district nurses, occupational therapists, dental nurses, veterinary nurses, operating dept practitioners, forensic nurses … and much more.
Unfair though it seems, healthcare is risky. A combination of high expectations and the rise of ‘blame culture’ means you’re up against it. An allegation of professional negligence against you is more likely a case of when not if.
And if an allegation is made against you – regardless of validity – you have to defend yourself. Doing nothing doesn’t make it go away and it means you could lose by default. The problem is, that takes time, money and legal know-how.
Nurses’ insurance gives you those three things. Your policy steps in to help, taking over the admin, paying your legal bills and giving you the support only a specialist insurer can. Priceless.
£100,000 medical malpractice + £100,000 professional indemnity insurance together costs from £277.20 a year. Add £100,000 public liability insurance for £45.44
Upgrade to £1m cover all round and you’ll pay from £504.00 a year, with public liability insurance an extra £100.80.
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