Happy New Year! I am running behind as usual in blog posts in 2017. I am committed to posting at least 1-3x a week in 2017 because this is RN Renewal in Ohio and Indiana and RN and LPN Renewal in Kentucky and this is going to be a very busy year for me.
Please Baby Please, purchase your own individual professional liability insurance policy if you are a LPN, RN, or APRN and practice nursing regardless of your capacity. https://www.youtube.com/watch?v=9kBE5kSV5y0
Why? What if you are a named as defendant in an wrongful death lawsuit filed by the grieving family of a former patient? Do you have a minimum of $15,000 to $35,000.00 in a secret compartment in your minivan to pay civil defense attorney to defend you?
Why? What if you receive a Notice of Complaint from the State Nursing Board? Do you have $2,500.00 to $15,500.00 in a in a shoe box under your bed to pay out of pocket for attorneys fees to defend you in the State Nursing Board investigation? What if you practicing as a nurse in several states and a complaint is filed against you in each of those states?
The time is short and the days are evil, which is why you need insurance. You can always assume the best of people (I won't be sued, my patients love me or my employer wouldn't file a complaint against me), but you want to protect yourself. Insurance protects you against the risks of practicing in a highly regulated and litigious health care environment and the potential liabilities stemming from being a licensed health care professional.
As an attorney, I maintain legal malpractice insurance which provides me with protection for legal malpractice claims as well as grievances filed against me related to my law license. I completed a nurse refresher and plan to transition back into home care; I will purchase my own individual professional liability insurance policy for my nursing practice. As one nurse to another nurse, please baby please, purchase your own individual professional liability insurance policy with a license defense protection benefit. Do it today!!!!!!!!!!
Why? Professional liability insurance is just like any other insurance, you don't need until you need it and when you need it, you really need it! Just my two cents but all nurses @ a minimum should have the following: life insurance, insurance on your real and personal property (home, car, boat, etc.), health insurance, dental insurance, disability insurance (short-term and long-term), and professional liability insurance. Start by googling "professional liability insurance for nurses."