Malpractice and licensing issues

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Reference no: EM133906539

Question

Having professional liability insurance is very important for nurses and PMHNPs. Nurses risk facing legal claims, including malpractice and licensing issues, which can have serious consequences. Liability insurance offers protection, ensuring that nurses are covered if they face allegations related to their professional duties at work. This type of coverage is essential for peace of mind and financial security. Two very well-known insurance providers are Proliability and the Nurses Service Organization. Proliability offers coverage for nurses starting at $101, with premiums adjusted based on the nurse's specialty, which is beneficial for those working in higher-risk areas. Additionally, Proliability provides risk management resources, such as the RiskFit program, which according to researchers, helps nurses minimize risks before they escalate (O'Neill, 2021). On the other hand, NSO offers premiums averaging $111 annually and includes $25,000 in license defense protection, which is essential since license complaints are more common than malpractice claims. Over 80 national nursing associations endorse NSO and has a 94% customer satisfaction rate, with nurses recommending their services after filing a claim (Maher & Cwiek, 2024). Proliability's tailored coverage and risk management resources stand out when comparing these two options. As a future licensed PMHNP, I would likely choose.

Reference no: EM133906539

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