What is Malplacement Liability? What Is Covered Under It?
What is Malplacement Liability? read on to learn everything you need to know about Malplacement Liability and what is covered under it. We will try out best to cover almost everything you need to know about Malplacement Liability in this post
What is Malplacement Liability?
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.
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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 Professional Liability Mean?
Professional liability is the risk that someone could get sued for causing damages to another person as a result of their work. Professional liability only includes damages that occur as a result of a person’s work. If a person causes damages to another person outside of work, that is a personal liability.
Professional liability insurance pays to cover the costs of professional liability. If someone is sued because of a professional liability, this insurance would cover the legal fees and the settlement if the insured loses the trial. These policies are designed to cover a specific type of professional liability in different fields. For example, a doctor would want to buy malpractice insurance to cover medical liability.
Coverage from personal liability insurance policies won’t cover damages from professional liability. This can get people in trouble. For example, if someone uses their personal vehicle for their work, the personal auto insurance policy won’t cover liability damages in an accident. As a result, if the insured causes an accident while working, they will not have any liability coverage. That’s why it’s important to have professional liability insurance to cover possible losses from a job.
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.
Final Thoughts
Some sort of Errors & Omissions insurance coverage is crucial to every position in the medical field. As a healthcare professional, patients are depending on you to make their lives better. If you are unable to do that or even make their lives worse, they are likely to sue you. If you don’t have the right insurance policies in place, you could lose your job, your business if you own one, and even your home.
Being able to pay for any settlements or judgments that are given to the patient, as well as the expensive defense costs that come along with a lawsuit, is going to allow you to keep doing what you love.