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  • Policy limits may not be high enough to protect you and all of your co-workers.
  • You may not be provided with coverage for lost wage reimbursement, licensing board hearing reimbursement, and defense costs.
  • You may not be covered outside of the workplace, such as when you engage in volunteer or part-time work.
  • You may not be covered for suits filed after you have terminated your employment.

“Every nurse today should carry their own professional liability insurance to protect themselves from the costs of legal and board of nursing action —even if they are covered by their employer.”

Legal Issues

Please seek legal representation anytime you must face a board of nursing inquiry. You wouldn’t represent yourself in a major criminal case or civil lawsuit, so don’t make that mistake because it’s “just the board of nursing.” The things that happen as a result of a board action will affect your ability to practice your profession for a long time.

The board of nursing’s primary function is to protect the public from unsafe nurses. While they will hopefully try to advocate for the nurse as well, don’t expect that they will. Because of the
lack of understanding the profession has regarding substance abuse and addiction, many boards of nursing take a primarily punitive approach to a nurse afflicted with this disease. This may
even happen in states that have an alternative to discipline program in place.

NEVER, EVER SPEAK WITH A BOARD INVESTIGATOR OR THE BOARD MEMBERS WITHOUT CONSULTING AN ATTORNEY!

You have rights, be sure they are protected. Anything you say during the investigation can be used against you in a court of law and in the boards decision.

Your attorney for the board investigation should be familiar with administrative law AND dealing  with the board. That’s why I recommend an attorney who is also a nurse. For criminal charges, get a criminal attorney familiar with drug related issues and laws.

Professional Liability Insurance

Many nurses don’t have their own malpractice/liability insurance, relying on the insurance coverage of their employer. While many employers (not all) will provide some professional liability coverage, chances are that coverage may have some serious gaps, including:


















Professional Liability Insurance protects you against covered claims arising from real or alleged errors or omissions, including negligence, in the course of your professional duties. Remember, legal defense and settlement costs are paid in addition to your limits of liability.

In the event of a lawsuit, your own Professional Liability Insurance policy would:

- Provide you with your own attorney
- Pay all reasonable costs incurred in the defense or investigation         of a claim
- Pay your lost wages
- Provide reimbursement if licensing board issues were involved
- Pay court costs and settlements in addition to the limits of           liability

Consult with a licensed insurance provider regarding the type of policies they offer for nurses. Follow the links to the left for more information.

Why Don’t Nurses Consult or Retain An Attorney When They are Being Investigated by the Board of Nursing!?

The reasons are many, but most of those reasons aren’t well thought out. In fact, there are very few “good” reasons for not seeking legal representation when your future practice as a nurse is on the line.  Physicians, dentists, attorneys, or other “professionals” would NEVER face a licensing board investigation without an attorney. “Too expensive”, “it’s just the board of nursing”, and “I didn’t know I could have an attorney” are only a few of the reasons. DO NOT FACE THE BOARD WITHOUT REPRESENTATION!

New E-Book!

Negligence to Malpractice: the Professional Practice of Nursing is Evolving

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If you find this web site helpful, please consider a donation to keep the information here free for the nurse who still suffers with this disease.

Malpractice Insurance for nurses?
If my employer pays for this, why should I get my own policy?

Greg Stocks, CRNA, EJD

Law Med Consulting

Law Office of LaTonia Denise Wright, LLC