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Liability Insurance

Liability insurance is a requirement for most every nursing program.

Why does a student nurse need malpractice insurance?

Changes in health care delivery and nursing practice has resulted in the increased acuity of patients seen by student nurses. In today's world of managed care, cost-cutting and high staff demands, mistakes can easily happen. You will have patient contact during your training and you will be providing care.

When an "unfortunate incident" occurs and a patient sues, their lawyer can name anyone who cared for that patient including you, the nursing student. Even though you may not have been directly involved, you may need to hire costly legal counsel to represent you. If you are named in a malpractice lawsuit, even a suit with frivolous or unfounded charges, most policies will provide an attorney to represent you individually, as well as if needed.

Doesn't my school or hospital's coverage protect me?

Malpractice insurance provided by your school or healthcare facility may indeed provide some coverage for you. Don't wait until it's to late to find out they don't have full coverage, or any coverage at all. Yearly coverage for student nurses ranges between $20-$29 in most states. This is an added expense at a time when most people are facing high tuition. It is a small price to pay to know you are covered should any incidents come up.





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