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Professional liability insurance.

K J Pohlman, N C Schwab

The Journal of School Nursing : the Official Publication of the National Association of School Nurses

|January 24, 2002

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School nurses should evaluate factors and insurance types for professional liability coverage. Understanding individual policies versus school district coverage is crucial for informed decisions regarding nurse liability insurance.

Area of Science:

Nursing Law
Risk Management in Healthcare
Professional Liability Insurance

Background:

The American Association of Nurse Attorneys advises nurses to secure liability insurance.
School nurses face unique practice risks requiring liability protection.
Understanding insurance options is essential for informed decision-making.

Purpose of the Study:

To guide school nurses in evaluating the need for individual professional liability insurance.
To clarify the types of insurance policies available to school nurses.
To explain how individual policies interact with school district coverage.

Main Methods:

Review of recommendations from the American Association of Nurse Attorneys.
Analysis of factors influencing the decision to purchase individual insurance.

Related Experiment Videos

Explanation of different insurance policy types and coverage implications.

Main Results:

School nurses must individually assess various factors before purchasing insurance.
Knowledge of available insurance policies and their limitations is vital.
Sovereign immunity may offer protection in some states, but individual insurance is recommended.

Conclusions:

Informed decisions about professional liability insurance require a thorough evaluation of personal needs and available options.
School nurses should understand how their individual policies integrate with or supplement employer-provided coverage.
Proactive management of professional liability is essential for all practicing school nurses.