What is professional liability insurance in nursing?

The Healthcare Professional Liability Insurance That Nurses Need. Professional liability insurance helps protect you from claims arising from the professional services given. If you get sued, it can help pay for your defense costs to defend your business in court.

Do nurses need professional liability insurance?

If you’re a nurse, you may find yourself asking, “Do I really need nurses professional liability insurance?” The answer is simple: Yes. Just like doctors, mental health counselors, and other allied health providers, nurses run the risk of potential litigation every time they go to work.

Is liability insurance the same as malpractice insurance?

It is vital to remember the very distinguished difference between Medical Malpractice and Professional liability. Medical Malpractice provides coverage for losses related to the human body, while Professional Liability provides coverage for financial losses.

Do nurses pay for malpractice insurance?

Although many nurses in the United States are covered under a medical malpractice insurance carrier, a significant number of nurses are not. But the truth is that a nurse can be sued for medical malpractice at any time. Many argue that the employer’s policy covers the nurses against medical liability as well.

What is the difference between malpractice insurance and liability insurance?

Do all nurses have malpractice insurance?

Where to find professional liability insurance in Texas?

Read the policy for details and discuss it with your agent or company. Call agent or MP 800 number and select from recorded choices. Brown & Brown of Houston, Ind. Agents. * Texas Medical Liability Trust (TMLT) files policy forms and rates for information only with the Texas Department of Insurance.

Who are the medical liability agents in Texas?

Brown & Brown of Houston, Ind. Agents. * Texas Medical Liability Trust (TMLT) files policy forms and rates for information only with the Texas Department of Insurance. It also files audited annual financial statements. It is exempt from contributing to the Guaranty Fund and is not covered by it.

What kind of insurance does a nurse need?

Insures you, up to the applicable limit of liability, for amounts you’re legally obligated to pay as a result of covered claims involving acts of sexual misconduct related to professional services.

Where to get medical malpractice insurance in Texas?

If you have any questions or need additional assistance, please contact the Personal and Commercial Lines Office of the Texas Department of Insurance at 512.676-6710. Medical Malpractice Insurance Shopping Guide – What you should know when shopping for medical liability insurance.