Many healthcare facilities provide liability insurance for their employees, but relying solely on employer-provided insurance can be risky. Here are some reasons why nurses should consider having their own policy:
Coverage Gaps: Employer-provided insurance may not cover all scenarios, especially incidents occurring outside of work hours or off-site. Conflict of Interest: In cases where the employer's interests conflict with the nurse's interests, having an independent policy ensures personal protection. Job Changes: Personal liability insurance remains in effect regardless of changes in employment, providing continuous coverage.
