A nurse is considering purchasing malpractice insurance. What should the nurse be aware of regarding malpractice insurance provided by the hospital?

• A. Only offers protection while on duty
• B. Is limited in the amount of coverage
• C. Is difficult to renew
• D. Can be terminated at any time

Answer: (A)

Hospital-provided professional liability is tied to your status as an employee and the care you give as part of your job. It typically protects you for incidents that occur while you’re on the job and performing duties within your role. That’s why the statement that it offers protection only while on duty best describes the coverage: it doesn’t automatically cover activities outside the hospital or outside your employment, such as private practice or off-duty care. If you work outside the hospital or want protection for non-work-related nursing activities, you’d need separate personal liability insurance.