Nursing Students – Do You Need Medical Malpractice Insurance?

Malpractice insurance may be the last thing on a nursing student’s mind as they prepare for nursing school. They’ve got to concentrate on finances, studying, passing their classes, getting enough sleep, surviving on Raman noodles, all the typical things that a student in any type of program has to worry about.

But a nursing student isn’t in just any old type of educational program. At some point, they will be assisting registered nurses with patient care, and the second the nursing student sets foot in an educational facility, they could be held legally responsible for any mishaps that occur with a patient in the facility, or even any perceived mishaps.

Is that fair? Of course not. If a nursing student is sued when they didn’t do anything wrong, will they be found liable? One would hope not. But the chances of winning in court are much higher when a nursing student has a lawyer who is looking out for their best interests, and most nursing students are not going to be able to afford to pay a lawyer’s fees.

That’s where student nursing insurance comes in. This type of insurance will pay for an attorney if a student is accused of some type of medical malpractice while doing their clinicals at a nursing home, hospital, or other medical facility. It may also pay out whatever judgement is awarded against the student if the student is found to be at fault. But again, a person represented by a competent attorney is much more likely to prevail in court.

Shouldn’t the nursing school where the student is attending, or the nursing facility, hire an attorney to represent the student? Well, the harsh truth is, they are looking out for their best interest, not the nursing students. When a lawsuit hits, it’s every man – or woman – for themselves.

And of course, once a student graduates and becomes a registered nurse, they should continue to maintain their own malpractice insurance, just as doctor’s do. It’s a small investment when one considers the huge, expensive consequences of a potential lawsuit.