Nursing Student Malpractice and Liability Insurance

If you’re a nursing student, medical malpractice coverage insures you against claims of negligence or of making a mistake that caused bodily harm to another. This includes providing you with a lawyer to defend yourself and the funds you can use to pay judgments or settlements.

AMOUNT COVERED:
Typical limits of liability range from $500,000 per claim/$1 million aggregate to $2 million per claim/$6 million aggregate

If a claim is filed against you, we’ll retain a lawyer for you from our network of defense attorneys specializing in medical malpractice. We’ll also pay for related defense costs (e.g., lawyer fees, court fees, expert witness costs).

Note that these defense costs are outside the limits of your insurance. This means that their services don’t cut into the settlement fees you may need to pay after a ruling.

AMOUNT COVERED:
Provided in addition to your policy’s limits of insurance

We work with your defense attorney to reach the best possible outcome for you. We won’t settle a claim without your approval.

Your policy applies on a worldwide basis, as long as a claim is brought against you in the United States (which includes any U.S. territories or possessions).

If you provide professional care to someone who is not your patient in a first aid or emergency situation, and that person files a claim against you, your policy would still apply.

If a claim alleges that you violated privacy rules in connection with private health information, we provide you with access to counsel and will reimburse you for costs related to HIPAA proceedings — including relevant HIPAA fines.

AMOUNT COVERED:
$25,000 per policy period

If the professional licensing authority is investigating matters related to your professional conduct, our policy provides you with legal defense.

AMOUNT COVERED:
$25,000 limit per policy period

If we ask you to attend litigation activities (e.g., a deposition), our policy will reimburse you for actual lost wages and any necessary expenses you incur (e.g., travel, meals).

AMOUNT COVERED:
Up to $1,000 per day

If you face a threat to your professional reputation, we can provide you with a crisis management/public relations consultant to help clear your name.

AMOUNT COVERED:
$50,000 per claim

The policy applies if someone files a claim against you alleging that your premises or operations caused them bodily injury or harm.

AMOUNT COVERED:
$1 million occurrence/$1 million aggregate

If you’re audited by either Medicare or Medicaid, we offer reimbursement for related accountant or attorney costs that result from the investigation or defense of the audit proceedings.

AMOUNT COVERED:
$30,000 for a covered audit and related expenses

The cost of malpractice insurance varies by location and provider, but in general, coverage for nursing students is relatively inexpensive. Berxi’s medical malpractice policies for nursing students typically start at around $14 per year. The best way to get an idea of how much you’ll pay for your policy is by getting a quote – it only takes a couple of minutes, and your policy can go into effect as soon as you’d like.

It’s important that you’re protected by medical malpractice insurance throughout nursing school. When you begin clinicals, you’ll be providing patient care, which can include assisting with medication, patient assessments, care plans, wound care, and much more. If you or your teammates are accused of making an error in your duties that causes a patient bodily injury, there’s the risk you could be named in a malpractice lawsuit.

In fact, most nursing programs require that you have your own policy before you start clinicals to protect you in the event of a malpractice claim. Your insurance policy can help protect you during your clinicals if a patient or a patient’s family sues you for allegedly making a mistake that caused them bodily injury.

Most nursing programs require you to have medical malpractice insurance before you start your clinicals, and it’s smart to make sure you’re protected throughout nursing school. A malpractice lawsuit can be a huge financial burden. There are the legal costs of defending yourself against the claim, as well as court fees, lost wages, and more. In addition, if you settle the lawsuit or are found responsible by the court, you’ll have to pay for damages. Nursing student malpractice insurance can help pay for your legal defense and settlement costs.

Yes, nursing students can be held liable for negligence and errors that cause a patient bodily injury. If a patient gets hurt, they can sue you, either individually or as part of a care team. That’s why it’s so important to make sure you’re protected with medical malpractice insurance.

Yes. If a patient – or a patient’s family – claims you caused them bodily injury, they can name you in a lawsuit. Make sure you’re protected with comprehensive medical malpractice insurance from Berxi, starting at just $14 per year.