Reasons an organization's professional malpractice liability insurance may fail to cover a nurse's actions are listed below. Which is not necessarily correct regarding organizational professional malpractice liability insurance?
a. may not cover if the insured intentionally injures another party
b. covers all liability for the nurses while em-ployed no matter what and is all that the nurse needs
c. may not cover if the insured fails to comply with organizational policies and procedures
d. may not be enough especially if the nurse is named individually in addition to the organization
B
The question of whether a nurse should carry his or her own professional malpractice insurance in addition to that provided by the employer has been a topic of debate. Organizational malpractice liability insurance generally covers the nurse except in certain situations such as: 1) may not cover if the insured intentionally injures another party; 2) may not cover if the insured fails to comply with organizational policies and procedures; and 3) may not be enough especially if the nurse is named individually in addition to the organization, and it might behoove the nurse to consider carrying additional individual malpractice insurance.
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