The title of Nurse has many applications in modern medicine. Each specific type of nurse has a different set of responsibilities depending on whether they are an Enrolled Nurse/Endorsed ,Registered Nurse ,Mental Health Nurse, Rural Nurse (RAN) , Nurse Practitioner , Practice Nurse or Cosmetic Nurse.
Why do Nurses need professional indemnity insurance?
There are different types of duties that nurses perform according to their post as explained further below:
- Nursing(Non-Hospital Environments),nurses who work for individuals rather then hospitals outpatient facilities, where they provide hands-on care to patients by administering medications, managing intravenous lines, observing and monitoring patients' conditions, maintaining records and communicating with doctors. They are also relied upon to give direction and supervision to nurse aides and home health aides
- Enrolled nurses work under the supervision of a registered nurse to provide patients, from all backgrounds and ages, with basic nursing care. Within their scope of practice, ENs are accomplished in the practical skills of nursing, with advanced ENs able to undertake more complex procedures
- Registered Nurses are responsible for the daily care of an admitted patient. This can include administering medication, setting IVs, giving shots, updating patient records, providing emotional support, patient education, basic diagnostics, and other patient procedures
- Mental Health Nurse work involves helping people to recover from their illness or come to terms with it in order to maximize their life potential. Mental health nurses liaise with psychiatrists, psychologists, occupational therapists, GPs, social workers and other health professionals to plan and deliver care using a multidisciplinary patient-centered approach
- Rural Nurses (RAN) work with patients who may have limited access to health care in isolated and remote areas. These Nurses possess excellent critical thinking and problem-solving skills in emergency, pediatrics, and mental health as well as being able to liaise with other healthcare providers
- Nurse Practitioners are those who are often first in line to diagnose and treat illnesses and injuries. Nurse Practitioners have the right to prescribe certain medications, with licensing and privileges varying by state
- A Cosmetic Nurse performs all the responsibilities of nursing care for patients before, during and after cosmetic procedures
- Practice Nurses work as part of a team of professional staff that includes doctors, health visitors and therapists
In many cases Nurses are required to have Professional Indemnity Insurance in order to practice. Either way it is recommended that all nurses have Professional indemnity insurance, as any negligence caused in carrying out their duties can lead to a claim against them. In such situations Professional Indemnity Insurance will assist them in paying legal fees and damages.
Public Liability Insurance for Nurses
If you or any of your employees visit a customers premises your actions could cause an injury to another person. Similarly, if an accident happens whilst a member of the public comes to your place of business and they are injured you could be held liable. Public Liability Insurance protects you in the event that such accidents occur and a claim is subsequently made against you.
Public liability insurance also covers you if damage is caused to third party property while at the customers business. An example would be if an employee broke a valuable item while making a delivery at a customer's home. The claim to replace the item would be covered by public liability insurance.
Key exposures for Nurses:
- Failure or incorrect diagnosis in treating illnesses/ailments
- Negligence or damage made applying and removing dressings
- Negligence in taking care of patients
- Providing wrong medicine or treatments to patients
Please Note: Coverage under the policy will be subject to the particular circumstances relating to a claim and the full terms and conditions of the policy.