Which option most directly reduces a nurse’s liability risk through personal planning?

• A. Rely solely on accreditation
• B. Obtain professional liability insurance
• C. Refuse to document anything
• D. Avoid caring for high-risk patients

Answer: (B)

Obtaining professional liability insurance is a direct personal planning step that lowers liability risk by providing financial protection and legal defense if a claim arises. It helps cover defense costs, settlements, or judgments and can advocate on the nurse’s behalf, reducing the financial impact of a lawsuit. Relying on accreditation doesn’t shield you from liability or cover legal costs. Refusing to document eliminates essential evidence of care and increases risk, not reduces it. Avoiding high-risk patients is unethical and impractical and doesn’t address risk management. The insurance acts as a practical, proactive safeguard you can arrange as part of responsible professional planning.