Liability insurance - Essay Example

Liability Insurance As a hospice nurse, I deemed having insurance was not necessity but now after reading thisarticle have thought deeply about it despite receiving advices not to purchase the insurance. Some lawyers cite getting your own insurance is extremely pricey (Catolico, 2014). If the nurse is involved in a patient’s injury, the latter can sue him or her for damages whereby the affected will not consider if one has malpractice insurance or not. In most occasions during the filing of lawsuit, information about insurance is not there thus the patient can name anyone involved (Catolico, 2014).

A nurse having this insurance is important because for every act or service provided there is a liability attached to it. This comes about when one neither is he or she a private contractor nor employed for the job (Catolico, 2014). The employer’s malpractice insurance only covers when one is in the position as an employee and this is the instance a person can be responsible when he or she makes a decision beyond employment scope (Catolico, 2014). This insurance package covers voluntary and off job services in cases of emergency (Catolico, 2014).

For instance, a neighbor’s child falls sick and since one is a nurse, the parent of the affected will seek the nurse’s opinion. This prompts one respond by either giving a recommendation or treating the child because he or she is nurse (Catolico, 2014). The moment one helps as a nurse then the patient-nurse relationship forms, onwards, the practitioner is responsible for every decision he or she makes regarding the patient’s wellbeing.This is not to discourage but to inform a person of one’s scope as a nurse, which should not bar him or she stop helping voluntarily.

It is of importance to have own malpractice insurance that covers those times of the day when one is off duty but have to respond and take action as a nurse.Thanks to the class and he professor because your opinions have reinforced my idea on malpractice insurance. I will get one as soon as possible.ReferenceCatolico, Ruthe. (2014). Malpractice Insurance: Do I need it? National Association of Pediatric Nurse Practitioners. Accessed on September 26, 2014 from http://www.napnap.org/PNPResources/Practice/PracticeFAQ/LiabilityInsurance/NeedMalpracticeInsurance.aspx