Malpractice Insurance Do Nurses Really Need? Legal Safety Explained (2025)

Do Nurses Really Need Malpractice Insurance? Legal Safety Explained (2025). Yes, caregivers need professional liability insurance for legal protection.

Legal Safety Explained (2025) Do Nurses Really Need Malpractice Insurance?

This insurance provides them with an important financial safety net against liability claims that may arise from medical errors. While many employers offer group insurance, caregivers, especially the self-employed and highly qualified nurses with advanced training, should take out an individual policy for greater protection. Professional liability insurance protects against lawsuits and the associated costs. Its importance is evident in the fact that lawsuits against caregivers are common.

You are three hours into your shift when a family member of a patient threatens to sue you personally for a medicine mistake not even of your fault. Your hospital claims you are covered, so you are protected, right? Not really. Thousands of nurses realize too late that employer-supplied insurance has shortcomings that totally expose their nursing license, personal possessions, and financial future when lawsuits or state board complaints come.

The issue is not whether you’re a meticulous nurse who hardly ever makes errors because even textbook-perfect practice cannot stop irate patients from submitting complaints that start expensive legal fights. Though your hospital’s malpractice insurance initially safeguards the facility’s interests, your personal professional liability policy protects what matters most to you: your nursing license, your ability to keep working in the field you have worked so hard to enter depends on your savings, your home, and your skills.

Quick Snapshot: Basic Nurse Malpractice Insurance

For complete coverage, professional liability insurance for nurses runs from $100 to $200 per year, far less than one shift’s income for protection that might save your whole career. Usually offering three to six million aggregate yearly coverage limits, policies usually provide one million dollars per occurrence. Coverage comprises legal defense for malpractice lawsuits, state board of nursing inquiries, subpoenas, and depositions even in the absence of any official charges. Most plans address both on-duty nursing care and off-duty Good Samaritan circumstances when you administer first aid.

Only while employed and just for actions within the scope of your job responsibilities as the facility specifies are covered by your employer’s insurance. Even when you leave a job, retire, or face claims filed years after an event happened, personal policies are still in effect. Tail coverage shields you from post-policy claims for events occurring during covered periods. Most nurses are eligible for conventional rates; but, specializations like nurse anesthetists, labor and delivery, and emergency room nurses may pay greater premiums to reflect higher litigation risk in those fields.

What Is Malpractice Insurance for Nurses?

Special coverage under malpractice insurance for nurses, often known as professional liability insurance, offers financial protection and legal defense when patients, relatives, or your bosses charge you of neglect, mistakes, or actions harming your nursing career. Although many nurses incorrectly believe their employer’s liability insurance is intended to protect the hospital from litigation, this is not true. Coverage sufficiently guards their personal interests.

Your personal plan pays for licensing defense under state inquiries, as well as attorney fees for your own attorney separate from those of the hospital’s legal team. Against your RN or LPN license, and covers settlement costs or judgments up to your policy limits should you be found liable for patient harm? Beyond only medicine errors or treatment mistakes, the coverage encompasses charges of assault, assault, invasion of privacy, failure to adequately supervise, insufficient patient Education, paperwork mistakes, and many other circumstances where contemporary healthcare litigation finds nurses personally responsible regardless of whether the hospital shares blame.

Most plans provide either occurrence-based coverage—which protects you for incidents that occur during your policy period even if claims are submitted years later— or claims-made coverage, which only covers claims filed while your policy remains in effect and calls tail coverage if you let the policy lapse.

Why Malpractice Insurance Is Critical for Your Nursing Career

Attorneys increasingly identifying individual nurses as defendants rather than only suing hospitals, the legal scene for nurses has radically changed over the past ten years because nurses’ professional licenses hold them personally responsible for their clinical choices and patient results. The harsh truth under which your employer’s insurance plan runs most nurses lack understanding until they are in crisis: the attorney for the hospital serves the interests of the hospital not yours; these interests often conflict while deciding who bears guilt in a case.

Hospitals frequently settle matters by firing nurses and referring to individual practice errors rather than to larger issues such understaffing or insufficient resources, therefore you are left holding professional ramifications as the structure advances without any harm. Even when your actions are technically covered by employer insurance, regulations usually contain exclusions for intentional wrongdoing, practicing outside your scope, or breaking facility guidelines, and legal Looking for methods to reject coverage and transfer responsibility onto particular providers, teams understand these clauses widely.

An even more immediate threat, state board inquiries—professional disciplinary actions against your license, not lawsuits—employer insurance never covers. The Before any court hears your case, the state board starts inquiries that may suspend or withdraw your license. Your personal malpractice insurance provides license defense coverage for specialized lawyers working before nursing boards, knowledge of nursing scope of practice legislation, and understands how to negotiate these administrative processes that operate very differently than courtroom litigation.

Legal representation during board inquiries would cost $5,000 to $25,000 out of pocket without this coverage; trying to represent yourself significantly raises the probability of license restrictions terminating your nursing career.

Beyond legal costs, your financial exposure includes your personal assets when judgments surpass coverage levels or when you are determined personally responsible for actions your employer insurance won’t pay for. If plaintiffs’ lawyers succeed in obtaining judgments against you personally, they may pursue your home, automobiles, retirement accounts, and future wages by means of garnishment. Bankruptcy generally does not discharge malpractice debt.

One medicine error causing patient death could produce a multimillion dollar case in which the jury determines you personally committed the fatal error—and without That judgment follows you for decades; adequate insurance coverage. Even nurses who win their cases sometimes incur legal defense expenses of $50,000 to $150,000 that someone must pay when employer coverage includes deductibles. Or reimbursement clauses, the hospital can require you to repay those legal expenses from your own pocket.

For modern nurses who change jobs regularly, work many roles, or practice in non-traditional environments where employer coverage becomes dubious, the career flexibility benefit is really important. Per diem personnel, school nurses, camp nurses, occupational health nurses, legal nurse consultants, and nurses running independent enterprises all confront circumstances where employer Coverage is either insufficient, absent, or ceases as the professional relationship ends.

Your personal policy protects side work and volunteer nursing activities and follows you through every job change, keeping protection during gaps between employments when you’re most sensitive to charges from past roles. Individual coverage is especially necessary for nurses providing telehealth services across state lines since employer policies frequently forbid practice in states where the facility does not operate, thus leaving Working with patients in other countries leaves you totally unshielded.

Employer Coverage Versus Personal Policy: Understanding the Critical Differences

Many nurses have false assumptions about how employer-provided malpractice insurance actually operates when legal concerns arise, assuming the coverage protects the hospital automatically. Equally values and dedication shields them. Knowing these major distinctions between personal policies and institutional coverage helps you see why depending only on company insurance exposes you.

The greatest vulnerability is created by legal representation and conflict of interest since the attorney your hospital’s insurance provides represents the hospital first, not you personally, and these interests split sharply when deciding who is accountable for bad patient outcomes. Hospital legal departments frequently blame nursing personnel for systematic failures, insufficient staffing, or missing equipment since resolving by terminating the nurse is far more expensive for the institution smaller than confessing facility-level negligence that might cause more litigation.

Your individual malpractice policy offers your own attorney, representing only your own interests, fighting to defend your professional reputation and license, and supporting for settlements. Alternatively trial techniques reducing your own liability rather than exposing the hospital. Having separate lawyers in situations where both you and your employer are accused implies someone is expressly trying to show the hospital’s policies, training shortcomings, alternately, resource constraints rather than your own decisions about practice hurt the patient.

Employment Conditions and Coverage Scope show that employer policies protect you only for actions taken inside the particular responsibilities of your job as the hospital clarifies them, producing gray areas that leave nurses unprotected more frequently than they realize. Should you conduct an assignment outside of your employment description, help in a department to which you are not designated, or behave in ways the hospital thereafter contends Employer insurance can deny your defense even if you thought you were assisting patients and acting within nursing scope since you broke their policies.

Independent policies include off-duty Good Samaritan and encompass your whole scope of practice as determined by your state nurse practice act regardless of particular employer policies. Acts taken while you stop at accident scenes or administer public area emergency care. Because malpractice claims often surface months or even years after the events happened, you need critical protection starting when you quit your job else totally; the prior employer has no motivation to offer legal defense for former workers.

License Defense and Board Since state board activities are administrative disciplinary proceedings against your professional license rather than lawsuits, investigations work completely outside employer insurance cover. The board looks into it when patients report you violated practice standards, behaved unprofessionally, or made mistakes in judgment your license apart from any patient injury or lawsuit.

Employer insurance expressly rejects these license defense expenses since they relate to your personal professional credentials rather than patient damages, so leaving you to find and pay for specialized nursing board defense lawyers charging $300 to $500 per hour. Personal malpractice policies provide funding for these lawyers, cover inquiry response expenses, and sometimes offer crisis intervention help upon board complaints— arrive, providing you legal counsel right away throughout those crucial initial days when your response plan shapes the direction of the inquiry.

Financial Protection and Policy Limits vary greatly since hospital policies have much larger limits—typically $5 million to $10 million—yet those constraints safeguard the Your personal $1 million policy protects only you while the hospital’s overall exposure across all defendants in a case. The institutional policy in big situations naming several nurses, doctors, and the hospital could settle at maximum limitations leaving individual defendants vulnerable if the Personal liability percentages are given by juries.

With restrictions set specifically for your defense and possible judgments, your own policy offers assured security for your assets and future income. Your personal nursing malpractice insurance runs, while employer coverage costs the hospital thousands annually for their comprehensive policies; hence, the annual cost discrepancy is great. Given the coverage it offers, the financial calculation almost comically lopsided at only $100 to $200 year.

Because employer rules usually work on claims-made basis, which means the policy only covers claims submitted while you are present, tail coverage and retroactive protection become quite important. Employed even if the incident occurred within your employment period. Should a patient sue you two years after you’ve changed to a new hospital, your previous employer’s insurer refuses coverage since you are no more their employee at claim filing.

Personal policies include tail coverage options that protect you from claims filed after your policy ends for incidents that happened during coverage periods, and many In case of retirement, disability, or death while insured, insurers offer automatic tail coverage. Because the statute of limitations for malpractice claims differs by state and kind of injury—some instances surfacing—this retroactive protection is absolutely vital in nursing five or ten years after the treatment was given when recollections have gone and records could be incomplete.

Step-by-Step Guide: Choosing and Using Your Malpractice Insurance

Choosing the appropriate professional liability insurance and knowing how to use it effectively calls for more than just buying the cheapest policy online since coverage details, Insurance reputation, and claims assistance differ greatly among providers in ways that really count when you have to seek protection.

Begin with businesses focused on healthcare professional liability instead than broad insurance providers treating nursing coverage as a small product line to research trustworthy nursing malpractice insurance. With years of expertise, Nurses Service Organization (NSO), Healthcare Providers Service Organization (HPSO), Proliability, CM&F Group, and American Professional Agency define the nursing malpractice scene.

Strong financial scores showing they will stay solvent to pay claims years from then as well as established claims departments knowledgeable about nursing practice issues. Look at the AM Best rating of each firm, which measures insurance company financial strength, searching for A or above ratings that show solid enterprises with enough reserves to pay claims.

Although policy reviews may be found on nursing forums and Facebook groups, bear in mind that negative reviews frequently result from misconceptions about coverage rather than from genuine insurer failures. Look for trends rather than individual grievances therefore. Confirm whether the business offers coverage in your state because certain insurers don’t operate in every area and confirm they cover your particular practice setting. Private duty, travel nursing, advanced practice, or staff nursing roles.

Get quotations from three to five insurance and examine policy papers beyond only premium costs to compare Coverage Features and Policy Structures. Though they cost 20 to 30 percent more than claims-made policies, occurrence-based policies offer better protection because they cover events that occur within your policy time. Irrespective of when claims are filed, allaying tail coverage anxieties completely. Claims-made policies are less initially but need continuous coverage or pricey tail policies if you ever let coverage lapse, hence maybe causing gaps if you leave.

Temporary nursing for professional, educational, or family reasons. Confirm that coverage limitations satisfy industry benchmarks of at least $1 million per event and $3 million total per year, albeit $1 million per occurrence and $6 For very little extra expense, millions of aggregate offers better defense. See if policies include license defense coverage as an independent benefit rather than counting toward your liability limits, since depleting your $1 million License leaves nothing for patient claim settlements.

Search for policies addressing both active negligence—where you made mistakes—and passive negligence, where you neglected to act or notice declining patient conditions, as Well as coverage for HIPAA breaches, electronic health record abuse, and defamation claims resulting from documentation conflicts.

Reading policy exclusion sections that clearly define what the insurance won’t cover will help you to understand exclusions and coverage limitations since these gaps leave you totally defenseless in those circumstances. Common exclusions include deliberate criminal acts, sexual harassment, and drug misuse during practice, beyond your scope or without adequate licensure, and business activities like selling medical equipment or supplements.

Most policies omit employment conflicts, discrimination claims, and workers’ compensation problems as those come under employment law rather than professional malpractice. Some insurers omit coverage for particular high-risk operations or practice environment, therefore travel nurses employed in various states should check the policy covers practice in All U.S. jurisdictions instead of excluding some states with unfavorable legal climates.

As electronic health records introduce fresh claims for privacy breaches, cyber liability and data breach insurance could need separate endorsements. Knowing these exclusions avoids surprises while submitting claims and enables you to look for more protection for any high-risk activities carried out by your nursing practice.

Be sure to fill out your insurance applications correctly and thoroughly since material misrepresentations give insurers basis to reject coverage retroactively when you require it most. Answer queries about your practice environment, patient population, processes you do, hours worked, and past claim history totally honestly as insurers confirm this data during Claims inquiries can invalidate policies if they find major errors.

Even if cases were dismissed or closed without conclusions, report any prior malpractice claims, board complaints, or professional disciplinary actions as not revealing these could constitute fraud that cancels coverage. Using their jargon, clearly explain your nursing specialty and practice setting rather than understating risk to get reduced premiums since paying a little more for precise Coverage wins out over a less expensive policy that denies your claim since you mischaracterized your work environment.

Because you can need to refer to this, keep permanent copies of your application and all correspondence with the insurer apart from employment records documentation decades later when addressing allegations arising from ancient cases.

Keep consistent coverage throughout your nursing career even when unemployed periods occur as holes expose flaws in which claims from past jobs fall between coverage periods. Buy tail coverage extending your claims-made policy or maintain a minimal occurrence-based policy if you leave nursing briefly for family reasons, educational, or professional breaks.

Covering historical events as malpractice claims can arise years after the care given. Set calendar reminders for renewal dates at least 60 days before expiration so you can address any premium changes, update coverage limits, or switch carriers if needed without creating lapses. Most insurers provide automatic renewal with credit card payments, so removing the chance of forgetting to renew manually even while you should yet inspect annual declaration pages.

As your company changes, you must confirm that the specifics of your coverage are still current. Know that even short coverage gaps of weeks or months can expose you to claims filed within those periods, and retroactively buying coverage is impossible once you know of possible claims or events.

Know When and How to Contact Your Insurer

By understanding the notification requirements in your policy that obligate you to report potential claims, incidents, and board investigations within specific timeframes or risk denial of coverage. Most policies require immediate notification within 24 to 72 hours of receiving lawsuit service, board complaint letters, or formal administrative actions against your license. You should also report concerning incidents even before formal claims arise if you’re involved in serious adverse patient outcomes, family members express intent to sue, or administrators question your practice decisions in ways suggesting investigation.

Early notification triggers insurer support including access to claims consultants who can guide your documentation, communication strategies, and immediate response actions that significantly impact case outcomes. Keep your insurer’s emergency hotline number and policy number stored in your phone so you can call immediately when situations arise, and never discuss potential claims with hospital risk management, administrators, or patient families without first consulting your insurance carrier since statements made before legal counsel can damage your defense options.

Because your best defense in malpractice cases and board inquiries is thorough, contemporary documentation proving your nursing evaluations, clinical reasoning, contacts with doctors and patient interactions. Objectively chart every communication to doctors including time, provider name, and their reply; document complaints or symptoms using the patient’s words in quotations and always include patient education delivered as well as their understanding or rejection of advice.

Avoid conjecture, blame, or emotive language in documentation because your graphs turn into evidence opposing attorneys will examine for any remark indicating you recognized issues, felt supported or had unresolved issues. After worrisome events outlining the circumstances, your activities, the attendees, your available resources, and the chronology of events, take personal notes.

Storing these notes separately from medical records helps you refresh your memory during years-later depositions; specifics stay fresh. Once you become aware of possible issues, never modify, add to, or back-date medical records since proof of record tampering harms your reputation and may constitute criminal fraud independent of the appropriateness of your first activities.

Expert Insight: The License Defense Conversation Most Nurses Never Have

As someone who has trained thousands of nurses and seen too many capable people lose everything over avoidable circumstances, here is what keeps me up at night: Most nurses don’t realize that the biggest threat to their career is not a malpractice claim award they might possibly pay off but rather a nursing Board action revoking their license and permanently ending their ability to work in the only job for which they have prepared and cherished.

Your nursing license denotes years of instruction, thousands of dollars in student loans, clinical ability created over numerous twelve-hour shifts, and the groundwork of For the following three or four decades of professional life, your financial security. One board complaint can start inquiries that suspend your license before you have a chance to defend yourself, so depriving you of earnings, unable to Pay your student loans or mortgage and confront months of joblessness as the bureaucratic process churns.

Because they couldn’t afford the $15,000 to $30,000 in legal costs, I have seen nurses lose their houses, declare bankruptcy, and give up healthcare professions completely. They attempted to represent themselves and made catastrophic errors that converted little problems into license revocations in order to correctly address board complaints.

The least career insurance you will ever buy, providing immediate coverage, the $100 to $200 you spend annually on malpractice insurance including license defense coverage. access to knowledgeable lawyers who appear before nursing boards, are familiar with the regulatory scene, and know how to negotiate these processes to safeguard your license. Consider your own malpractice insurance as certain legal knowledge available the moment someone rather than as protection against lawsuits that might never occur. Questions your nursing practice, endangers your professional reputation, or files a complaint that jeopardizes your whole career.

Taking Control of Your Professional Protection

The decision to purchase personal wrongdoing insurance is essentially a choice between hoping your employer’s interests always match yours or assuring you have independent protection should legal disputes arise. Dependence only on employer coverage opens you to conflicts of interest whereby hospital attorneys give institutional interests over your license and profession precedence. Coverage generated: gaps when you switch work or practice settings, and gives zero protection for state board inquiries which pose the most immediate threat to your capacity to keep nursing.

Personal malpractice insurance offers specialized legal representation, license defense protection, and financial security that follows you for less than the price of a single shift. Throughout your whole nursing career, regardless of job changes. The issue is not whether you are a diligent nurse who seldom errs because even faultless practice cannot stop irate patients or administrative mistakes from tripping.

Legal measures demanding costly defense irrespective of merit. Every nurse needs personal professional liability insurance regardless of experience level, specialty, or practice environment; now is the time to get that coverage. When getting coverage becomes impossible, events rather than after getting legal action paperwork or board complaint letters take place.

Next: Investigate the covert means by which your nursing license might be in danger. How to Safeguard Your Nursing License: Red Flags Every RN Must Avoid (2025)

Often Asked Questions Regarding Nurse Malpractice Coverage

As an employee, does my hospital’s malpractice insurance actually not cover me enough?

While carrying out assigned tasks under their guidelines, your hospitals insurance only covers you as a representative of the facility; coverage terminates the instant job ceases. Ends even for claims stemming from your job-based work. The main vulnerability is that hospital lawyers prioritize the interests of the hospital first, which often conflict with safeguarding particular nurses when deciding accountability for unfavorable patient results.

Because hospitals often settle cases by firing nurses and blaming patient injury on individual practice errors rather than on institutional problems like understaffing or insufficient resources, Firing the nurse costs significantly less than acknowledging facility carelessness that might start further claims. Employer insurance usually excludes coverage for actions the hospital later finds violated their policies, done outside your job description, or amounted to willful misconduct, terms that Legal teams interpret widely when looking for justifications to deny coverage and transfer responsibility to single nurses.

Employer insurance provides no coverage for state board probes since they are administrative actions against your personal license instead of malpractice claims against the institution. Employer coverage could have deductibles or reimbursement clauses demanding you to reimburse legal defense expenses if the hospital’s insurance uses money to defend you, maybe leaving Even if you win your case, you still faces legal charges of $50,000 to $150,000.

What really does malpractice insurance for nurses cost and what influences the premium?

For usual $1 million per event and $3 million to $6 million aggregate, professional liability insurance for staff nurses ranges between $100 and $200 year. Coverage via well-known carriers such as NSO or HPSO. Your particular premium depends on your chosen policy structure—whether you select occurrence or claims-made—the type of practice, the state in which you operate, and the setting.

Because these fields face more, emergency room nurses, labor and delivery nurses, and advanced practice practitioners pay more premiums from $200 to $500 year. Liability from lawsuits arising from time-sensitive medical judgments and severe patient conditions. Lower-risk environments like school nursing, occupational health or public health call for annual payments of around $100. Occurrence-based policies do away with costly tail coverage if you ever leave nursing or switch insurers by costing 20 to 30 percent more than similar claims-made policies.

Most carriers provide discounts for nurses possessing professional certifications, attending risk management continuing education courses, or preserving claims-free histories spanning several years. Paying a little more, travel nurses and per diem nurses reflect the greater exposure from working at many facilities without thorough knowledge of the patient populations and procedures of each hospital. The annual cost offers legal defense and settlement coverage worth perhaps millions of dollars yet costs less than one hour of nursing salaries.

What happens if personal malpractice insurance covers me and I am either sued or subject to a board complaint?

Once you get lawsuit service papers, a board complaint letter, or formal notice of investigation, you first contact your insurance carrier’s emergency hotline open 24/7 for policyholders confronted with legal action. The insurance company provides a claims agent to walk you through quick response measures, arrange legal counsel via their network of lawyers concentrating in healthcare defense, and manages all correspondence on your behalf with opposing counsel or board inspectors. To create your defense plan, your lawyer carries out exhaustive case research including medical record review, witness interrogations, and expert consultations.

They keep you apprised all through the process process on case events, settlement discussions, and, if required, trial preparation. Without asking for any out-of-pocket payment, the insurance provider covers all attorney fees, court fees, expert witness expenses, and settlement amounts up to your policy limits beyond your annual payment from you.

For board inquiries, the license defense benefit offers specialized attorneys who appear before state nursing boards, grasp administrative law procedures distinct from those in courtroom litigation, and know how to negotiate with board investigators to resolve complaints with minimal license sanctions. Throughout the process, your insurance offers crisis help including advice on how to discuss cases with employers and stress management tools to manage the emotional toll legal process as well as practical advice on continuing to work whilst contesting claims.

Do per diem nurses and travel nurses need different coverage than staff nurses working in permanent roles?

Because they work at many institutions with diverse policies, travel nurses and per diem nurses are exposed to much more risk; hence they require personal malpractice insurance. Shortened orientations, practice in alien electronic health record systems, and lack the institutional support permanent staff receive during adverse events. Most travel nurse agencies give malpractice coverage while on duty; agency policies normally expire the moment your contract expires or if concerns about whether Incidents happened during business hours versus personal time, thus creating hazardous gaps in protection.

Agency coverage could exclude practice in some high-risk states; often it lacks license defense benefits; sometimes it has clauses calling for you to cover legal expenditures should the agency’s insurance fail to protect you. Personal malpractice policies created for travel nurses cover your practice in all U.S. states and remain active between assignments when you’re most exposed to charges from previous agreements; offer your own lawyer whose loyalty is to you rather than the agency or facility.

Because each facility’s insurance only covers the shifts you work there, per diem nurses working at several hospitals simultaneously need personal coverage as this causes perplexing situations. When accidents include decisions regarding communications or care over several workdays at many institutions. Minimal expense for nurses making premium travel rates or creating building flexibility via per diem work, travel-specific or multi-facility coverage adds $150 to $250 a year.

Will malpractice insurance shield me against deliberate acts or criminal charges?

Explicitly excluding coverage for criminal acts, willful patient harm, sexual harassment, and substances, malpractice insurance covers negligence—that is, unintentional failure to satisfy practice norms fraud or abuse of controlled substances and abuse while training. Should your deeds stray from neglect into criminal territory, as the RaDonda Vaught case where a medication error resulted in criminal prosecution, your malpractice Although it can still pay for the associated civil malpractice suit brought by the patient’s family, policy will not pay for criminal defense attorneys or fines.

Some insurers include criminal defense coverage as an add-on endorsement that gives limited legal expenditure refund for accidental medication errors or documentation mistakes prosecutors’ Criminal pursuit follows; nevertheless, these endorsements often restrict coverage at $25,000 to $100,000 for legal costs exclusive of penalties or fines. If you reject the description and argue your actions were at most negligent, the policy will protect you against claims of willful actions; but if Investigations uncovers really deliberate destructive actions; coverage terminates and you have to return any legal fees the insurance paid for your defense.

Usually falling outside license defense cover are bored investigations including substance abuse, medication diversion, or practicing while impaired as these constitute deliberate violations of nursing practice activities rather than error-based practice. Examine the exclusions of your coverage thoroughly and realize that malpractice insurance safeguards you from errors and clinical decision mistakes, not from willful misbehavior or careless neglect for patient safety crossing into criminal behavior.

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