When is professional liability coverage required?

• A. Whenever practicing nursing, including multiple employers or as UCP
• B. Only in hospital
• C. Only with prior malpractice
• D. Only full-time employment

Answer: (A)

Professional liability coverage is necessary whenever you are practicing nursing because it protects you from the financial and legal impact of claims alleging professional negligence or errors in care. Your exposure isn’t confined to one workplace or to full-time roles—if you work for multiple employers or as an independent practitioner (UCP), you could face claims across different settings, so the coverage should apply wherever you provide nursing services. It isn’t limited to hospital work, nor does it depend on having prior malpractice or being full-time. Having this protection helps cover defense costs and any settlements or judgments, supporting safe, responsible practice in any nursing role.