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You need nursing home professional liability insurance to protect yourself in case of a lawsuit that claims negligence as well as in cases of libel and slander.  Negligence in nursing homes is a real problem and accusations are made all the time.  Such an accusation can be disastrous to a nursing home and cause clients to lose trust in an establishment.  They will definitely not want to leave their loved ones in a place where they feel they may be harmed.  There are ways to help protect your reputation when you run a nursing home.

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Nursing home professional liability insurance is an essential component of professional protection for nursing professionals. Although nursing homes are institutions for the care and recovery of patients, this is also a common place for accidents and injuries. Professional liability insurance covers nurses and other nursing home professionals in the case of lawsuits because of falls, slips, and other injuries that can lead to additional medical care, extended time in recovery, and potential loss of income for the injured person.

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Nursing home professional liability insurance is distinct from conventional business or homeowner’s insurance coverage. Because the service of this is to care for the needs of others, they need insurance that can cover specific aspects of their profession. The bulk of this insurance will cover malpractice claims for improper care of patients, which results in patients getting injured or even dying while under your care. Additional coverage will include your home site, property and equipment, employees, patients and visitors to the facility.

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Since the late 1990s, the general character of nursing home professional liability insurance has changed dramatically. A spate of litigation that began in the mid-1990s excited widespread volatility and complexity in the landscape of vital loss protection coverage for long-term residential care facilities.

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