Professional and Business Liability As a Solo PractitionerOne important question that many independent practitioners ask, especially during these COVID-19 times, is ‘do I need additional protection?’
All nurses, including those who are self-employed, are required to practice according to their regulator’s standards of practice and bylaws. Some are particularly important for self-employed nurses.
As self regulated professionals, nurses are responsible and accountable for the care they provide. A high level of responsibility falls upon their practice, not only to provide the best care possible, but also to follow a rigorous set of standards of practice.
Straying from them or providing sub-par care can result in complaints to the regulator and/or a legal process if the client feels as if they have precedent for a case against a nurse’s practice . While it should always be the goal to avoid such scenarios and treat clients with competence, leaving oneself practice open to a lawsuit is simply naïve.
It has been known for clients to take legal action against nurses when alleging that they suffered harm as a result of the care. Although medical malpractice liability Insurance could be an annual benefit provided to nurses as part of registration with their regulators, private clinics and businesses can also be named as defendants in these kinds of cases if the client alleges mistreatment. Therefore, should you run your own practitioner business, it is advised that you carry out your additional protection for your business.
Your personal business legal advisor can assist you when determining the type of protection needed, as well as the extent of the coverage. Many practitioners also take out ‘business-type’ coverage in order to cover any and all risks associated with infrastructure.
For more information on professional liability, please contact your regulator. They have additional resources that can guide you in making the right decision.
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