Question 1

Which option reflects one of the more convincing arguments for the nurse having individual malpractice insurance?

Accepted Answer

A)   Defending against a lawsuit is costly in today's society.
B)   Filing a lawsuit is costly in today's society.
C)   Having insurance ensures that the nurse will not be named in lawsuits.
D)   Having insurance makes it more costly for the plaintiff to file suit against the nurse.E) B) and C)
F) A) and D)

Question 2

As a part of a malpractice case, the hospital has decided to bring an indemnity claim against a nurse. What is the implication to the nurse?

Accepted Answer

A)   The nurse should obtain a private lawyer.
B)   The nurse will have to pay monetary damages to the hospital if the hospital wins the claim.
C)   The nurse is required to disclose patient information that the patient believed would be kept confidential between the nurse and the patient.
D)   The hospital is released from paying monetary damages to the nurse.
E)   The hospital attorney has identified the work practices implicated in the incident causing the lawsuit.F) A) and E)
G) B) and D)

Question 3

The nurse believes that her need for individual malpractice insurance is decreased because she practices in a small-town home health agency. What is true about this situation?

Accepted Answer

A)   Residents of small towns are less likely to bring suit than residents of urban areas.
B)   Slower paced environments, such as home health care, are less likely to create situations in which the nurse makes an error.
C)   Nurses working in home health are covered by mandatory federal malpractice insurance policies.
D)   Home health care is an area in which the risk of lawsuit is higher than in many other practice areas.E) A) and B)
F) B) and C)

Question 4

A nurse is named in a lawsuit and has no professional malpractice insurance coverage. What is true of this situation?

Accepted Answer

A)   The nurse can be held personally responsible for all damages assessed.
B)   The nurse is considered judgment-proof and will not be required to pay damages.
C)   The nurse will be nonsuited from the filed lawsuit once this fact is known.
D)   The nurse can rely upon the hospital's insurance policy as protection from personal financial liability.
E)   The nurse's best interests may not be protected during the case.F) B) and C)
G) All of the above

Question 5

The nurse has been named in a lawsuit claiming a patient was injured due to her negligence. The nurse dropped her personal professional liability insurance several months ago, but believes the policy may have been in effect at the time of the incident. In which part of the policy would the nurse look for information about the coverage period?

Accepted Answer

A)   Deductibles
B)   Exclusions
C)   Declarations
D)   LiabilitiesE) A) and B)
F) B) and C)

Question 6

A nurse has decided to obtain individual professional liability insurance. In general, which type of insurance is best for most nurses?

Accepted Answer

A)   Certificate-based
B)   Employer-sponsored
C)   Occurrence-based
D)   Claims-madeE) B) and C)
F) A) and B)

Question 7

Nurses who work on a medical unit do not have personal professional liability coverage. In the event of a lawsuit, which options are true?

Accepted Answer

A)   They can be covered under the employer's insurance policy.
B)   They may be refused coverage under the employer's insurance policy.
C)   They will be covered under the professionals' group policy.
D)   They need to contact their own attorneys.
E)   They will be covered with their state's Emergency Health Care Providers policy.F) D) and E)
G) C) and D)

Question 8

A nurse has been named in a lawsuit. The nurse's insurance company has declined to cover any costs until policy exclusions have been verified. What would the nurse expect the company to review?

Accepted Answer

A)   Length of employment
B)   The insured's educational preparation
C)   Length of time the nurse has been registered
D)   Licensure of the insured
E)   Nature of the insured's workF) A) and E)
G) A) and B)

Question 9

The hospital-employed nurse volunteered to assist with physical examinations for athletes at the local high school. How does this situation affect the nurse's hospital malpractice insurance?

Accepted Answer

A)   The nurse is covered by the hospital's malpractice insurance as a community volunteer.
B)   The nurse is very likely not covered by any malpractice insurance.
C)   The nurse is covered by the school's insurance.
D)   The nurse is exempt from liability for any occurrences because of the volunteer status of the work.E) B) and C)
F) A) and D)

Question 10

A nurse has missed 10 days of work while involved as a defendant in a malpractice lawsuit. Must the hospital where this nurse is employed and that was also named in the suit pay the nurse for those days?

Accepted Answer

A)   In most cases, the hospital is only required to pay the nurse for one-half of time missed.
B)   No, since the nurse caused the lawsuit to be filed, the hospital has no responsibility for pay.
C)   Yes, the hospital is always responsible for expenses associated with work whether or not the expenses are related to a lawsuit.
D)   Not necessarily, it depends upon the hospital's insurance policy and what it covers.E) All of the above
F) A) and B)

Question 11

The nurse understands that the professional liability insurance provided by the hospital where he works is a claims-made policy. Which claim would the nurse expect this policy to cover?

Accepted Answer

A)   A claim that was filed 3 months after the hospital purchased the policy
B)   A claim that was filed while the hospital and insurance company were negotiating about the policy
C)   A claim filed for an event that occurred during the coverage period that was filed after the hospital changed carriers
D)   Any claim filed as long as it was within 30 days of the end of the policyE) C) and D)
F) A) and B) A

Question 12

In which situation is an occurrence-based policy most beneficial to the nurse?

Accepted Answer

A)   A nurse had insurance coverage during 20 years of practice, but is now retired and no longer has an active policy
B)   A nurse acquired insurance coverage after a patient unexpectedly died during the nurse's care.
C)   A nurse fears she will be named in a lawsuit even though she was only a witness to an occurrence.
D)   A nurse had an untoward evaluation at work and needs coverage in case she is terminated for unsatisfactory performanceE) B) and C)
F) A) and D)

Question 13

What should the nurse consider about today's healthcare environment when making a decision about purchasing individual professional liability insurance?

Accepted Answer

A)   The frequency with which nurses are named in lawsuits has not changed in the last several decades.
B)   Obstetrics is the only specialty in which risk of being sued has increased.
C)   Having personal insurance does not increase one's risk of suit.
D)   Monetary awards in cases where nurses have personal insurance are higher.
E)   Most lawsuits are filed against nurses who are not specialized in any particular field.F) C) and D)
G) A) and E)

Question 14

The limits of liability on an insurance policy are $1,000,000 for each claim, $4,000,000 aggregate. A nurse is charged in a serious situation in which five separate lawsuits have been filed. What is the most the insurance company will likely pay in this situation?

Accepted Answer

A)   $4,000,000
B)   $200,000
C)   $1,000,000
D)   $5,000,000E) A) and D)
F) All of the above C

Question 15

The nurse recruiter says, "We have a liability insurance policy that covers all nursing employees." The nurse seeking employment at this facility identifies which policyholder?

Accepted Answer

A)   The party against whom a suit is filed
B)   The nursing department employees
C)   The hospital
D)   The insurance agent who sells the policyE) All of the above
F) B) and D) C

Exam 10: Professional Liability Insurance

Which option reflects one of the more convincing arguments for the nurse having individual malpractice insurance?

Correct Answer
verified

As a part of a malpractice case, the hospital has decided to bring an indemnity claim against a nurse. What is the implication to the nurse?

Correct Answer
verified

The nurse believes that her need for individual malpractice insurance is decreased because she practices in a small-town home health agency. What is true about this situation?

Correct Answer
verified

A nurse is named in a lawsuit and has no professional malpractice insurance coverage. What is true of this situation?

Correct Answer
verified

Correct Answer
verified

A nurse has decided to obtain individual professional liability insurance. In general, which type of insurance is best for most nurses?

Correct Answer
verified

Nurses who work on a medical unit do not have personal professional liability coverage. In the event of a lawsuit, which options are true?

Correct Answer
verified

A nurse has been named in a lawsuit. The nurse's insurance company has declined to cover any costs until policy exclusions have been verified. What would the nurse expect the company to review?

Correct Answer
verified

The hospital-employed nurse volunteered to assist with physical examinations for athletes at the local high school. How does this situation affect the nurse's hospital malpractice insurance?

Correct Answer
verified

A nurse has missed 10 days of work while involved as a defendant in a malpractice lawsuit. Must the hospital where this nurse is employed and that was also named in the suit pay the nurse for those days?

Correct Answer
verified

The nurse understands that the professional liability insurance provided by the hospital where he works is a claims-made policy. Which claim would the nurse expect this policy to cover?

Correct Answer
verified
A

In which situation is an occurrence-based policy most beneficial to the nurse?

Correct Answer
verified

What should the nurse consider about today's healthcare environment when making a decision about purchasing individual professional liability insurance?

Correct Answer
verified

The limits of liability on an insurance policy are $1,000,000 for each claim, $4,000,000 aggregate. A nurse is charged in a serious situation in which five separate lawsuits have been filed. What is the most the insurance company will likely pay in this situation?

Correct Answer
verified
C

The nurse recruiter says, "We have a liability insurance policy that covers all nursing employees." The nurse seeking employment at this facility identifies which policyholder?

Correct Answer
verified
C

Exam 10: Professional Liability Insurance

Which option reflects one of the more convincing arguments for the nurse having individual malpractice insurance?

Correct AnswerverifiedShow Answer

As a part of a malpractice case, the hospital has decided to bring an indemnity claim against a nurse. What is the implication to the nurse?

Correct AnswerverifiedShow Answer

The nurse believes that her need for individual malpractice insurance is decreased because she practices in a small-town home health agency. What is true about this situation?

Correct AnswerverifiedShow Answer

A nurse is named in a lawsuit and has no professional malpractice insurance coverage. What is true of this situation?

Correct AnswerverifiedShow Answer

Correct AnswerverifiedShow Answer

A nurse has decided to obtain individual professional liability insurance. In general, which type of insurance is best for most nurses?

Correct AnswerverifiedShow Answer

Nurses who work on a medical unit do not have personal professional liability coverage. In the event of a lawsuit, which options are true?

Correct AnswerverifiedShow Answer

A nurse has been named in a lawsuit. The nurse's insurance company has declined to cover any costs until policy exclusions have been verified. What would the nurse expect the company to review?

Correct AnswerverifiedShow Answer

The hospital-employed nurse volunteered to assist with physical examinations for athletes at the local high school. How does this situation affect the nurse's hospital malpractice insurance?

Correct AnswerverifiedShow Answer

A nurse has missed 10 days of work while involved as a defendant in a malpractice lawsuit. Must the hospital where this nurse is employed and that was also named in the suit pay the nurse for those days?

Correct AnswerverifiedShow Answer

The nurse understands that the professional liability insurance provided by the hospital where he works is a claims-made policy. Which claim would the nurse expect this policy to cover?

Correct AnswerverifiedA

In which situation is an occurrence-based policy most beneficial to the nurse?

Correct AnswerverifiedShow Answer

What should the nurse consider about today's healthcare environment when making a decision about purchasing individual professional liability insurance?

Correct AnswerverifiedShow Answer

The limits of liability on an insurance policy are $1,000,000 for each claim, $4,000,000 aggregate. A nurse is charged in a serious situation in which five separate lawsuits have been filed. What is the most the insurance company will likely pay in this situation?

Correct AnswerverifiedC

The nurse recruiter says, "We have a liability insurance policy that covers all nursing employees." The nurse seeking employment at this facility identifies which policyholder?

Correct AnswerverifiedC

Correct Answer
verified

Correct Answer
verified

Correct Answer
verified

Correct Answer
verified

Correct Answer
verified

Correct Answer
verified

Correct Answer
verified

Correct Answer
verified

Correct Answer
verified

Correct Answer
verified

Correct Answer
verified
A

Correct Answer
verified

Correct Answer
verified

Correct Answer
verified
C

Correct Answer
verified
C