Which statement accurately reflects the role of personal professional liability insurance for nurses?

The statement that personal liability insurance offers representation if the State Board of Nursing files charges against you accurately reflects the role of such insurance for nurses. Personal professional liability insurance exists primarily to protect nurses in various scenarios where their professional actions might lead to legal disputes or allegations of malpractice. This type of insurance can provide legal defense costs, settlements, and other related expenses if a nurse faces legal challenges, including those arising from actions taken within their scope of practice.

In cases where a nurse faces disciplinary actions from the State Board of Nursing, personal liability insurance can be invaluable, as it may provide support and legal representation. This is critical because the implications of board actions can significantly impact a nurse's career, and having insurance helps ensure they have the necessary resources to defend themselves effectively.

In contrast to this, the other statements are misleading. While some employers provide liability insurance, it is often a good idea for nurses to secure their own policies to ensure complete coverage. Liability insurance is available for nursing professionals in all settings, including hospitals, contradicting the claim about its unavailability. Finally, the assertion about increased likelihood of being sued if one has liability insurance does not hold; rather, the presence of such insurance is a proactive measure that allows nurses to work confidently, knowing they