What is Malplacement Liability? What Is Covered Under It?

Malplacement Liability is another coverage included in your Professional Liability limits. This coverage relates specifically to your responsibilities for arranging and qualifying suitable work for eligible healthcare providers. It is a valuable coverage for supervisors and charge nurses.

Let’s assume you are working in a hospital and you are responsible for distributing assignments to the other nurses on the shift. You unknowingly send a nurse into an area of the hospital that she’s not really well-trained in. A lawsuit could occur if a claim arises from the nurse’s unfamiliarity with the procedures of the area she worked in that evening- this happens all too often. You might be held responsible in the lawsuit because it was your decision to send that nurse to that area. This can also apply in a home health setting– if you are coordinating home visits for a staffing agency, for example, and you inadvertently send a nurse or an aide somewhere where their role exceeds their education and training, you might be held responsible for the consequences.

It’s difficult in today’s nursing climate to always have the adequate staff, both in numbers and in skill, to address the needs of your organization, and this coverage addresses that reality.

Many bodywork professionals ask about purchasing massage therapy insurance and professional liability insurance. With all the different insurance terms, it’s easy to be confused about the different coverages you need and the coverages offered to you. One of the more confusing terms in the bodywork industry is the difference between malpractice insurance and professional liability insurance.

Believe it or not, the difference between malpractice and professional liability insurance is rather simple:

What Does Malplacement Liability Cover?

This coverage will pay for amounts you become legally obligated to pay as a result of an act, error or omission arising from your responsibilities for arranging and qualifying suitable work for other massage therapists. Coverage may apply in the event that a massage therapist you placed is alleged to be negligent or misrepresented their qualifications.  

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