How to Answer: Do you carry professional liability insurance? Why or why not?
Advice and answer examples written specifically for a Nursing job interview.
30. Do you carry professional liability insurance? Why or why not?
How to Answer
Nurses run the risk of litigation every time they go to work. After all, they are working with patient's lives. Some nurses think that they will be covered by the organization's liability policy, but it's good practice to carry your own insurance. There really isn't a good answer as to why a professional nurse would not carry liability insurance. This is an opportunity to illustrate your understanding of the necessity and your commitment to safe nursing practice.
Written by Ryan Brown on June 5th, 2019
1st Entry Level Example
"As a new grad nurse, this is definitely something I'm considering. With as much contact I will have with patients, I will likely consider protecting myself by purchasing a liability policy. I've done some research and though most healthcare facilities seem to provide coverage for their staff, there are benefits to purchasing individual coverage. I will be doing more research into whether a claims-made or an occurrence policy makes the most sense for me."
Written by Jaymie Payne on December 18th, 2022
1st Experienced Example
"I absolutely carry my own liability insurance. I did some research on the benefits and there are many reasons to carry my own insurance. In some instances, we are considered independent contractors, the employer liability insurance will act on the benefit of the employer which is understandable, and I want to protect the livelihood that I love so much!"
Written by Ryan Brown on June 5th, 2019
2nd Experienced Example
"I do not carry a personal policy, as the hospitals I have worked for in the past have had policies that cover their nursing staff. If I were in a private practice or with a smaller facility, I would consider purchasing a policy for protection."
Written by Jaymie Payne on December 18th, 2022
3rd Experienced Example
"This is not something that I have carried in the past. It is, however, something I have begun conducting more research on and am planning to get in the near future to ensure that I am providing the safest nursing care I possibly can."
Written by Tabitha Cumpian on January 31st, 2023
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About the Author
I began my healthcare career when I was a sophomore in high school and became an STNA (state-tested nursing assistant) at a local long-term care facility. I then went on to work as a nursing assistant at a local hospital and home healthcare agency. During that time, I pursued my Bachelor's in Business Administration: Human Resource Management and transitioned to working for one of the largest long-term care and post-acute rehab companies in the country. I supported the talent acquisition function, and in the span of 8 years, I screened and interviewed over 1,500 nurse aides, LPNs, and RNs.
I hold a very special place in my heart for nurses, as it's often a thankless and tiresome job. Not everyone is cut out to be a nurse, and I have great respect and admiration for those that choose this career path. As a content writer and interview coach for MockQuestions, my goal is to help you prepare and succeed in your upcoming interview. This article offers interview tips and advice along with 50 practice interview questions and answer examples to help you better understand what to expect and prepare for interview day! Wishing you the best of luck!
Learn more about Jaymie Payne