The nurse has just obtained the licence to practice and is determining whether individual malpractice insurance is necessary. Which of the following is the most important factor in the nurse's decision to carry malpractice insurance?
a. The amount of the malpractice insurance provided by the employer
b. Working in a critical area of nursing where clients have higher morbidity and mortality rates
c. Employment status and professional liability coverage
d. The nurse's knowledge level of Good Samaritan laws
C
All nurses should have clear knowledge of their employment status and professional liability coverage. Publicly funded health care facilities carry malpractice insurance. The facility is con-sidered the employer and is liable for the negligent acts of its employees as long as their actions were within their scope of practice.
The amount of the malpractice insurance provided by the employer is not the most important factor in deciding about private insurance. Generally, the employer's malpractice insurance cov-erage is much greater than private insurance coverage.
The area of nursing is not the most important factor in deciding whether to carry malpractice in-surance. Lawsuits can occur anywhere.
The nurse should be aware of Good Samaritan laws, but this would not ensure sufficient cover-age for most nursing practice. Therefore, it is not the most importance factor in determining whether to purchase private malpractice insurance.
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