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Two RNs are discussing the benefits of professional liability insurance. Which of the following is a reason for an RN to have a professional liability insurance policy?

  • A. No expenses are involved in frivolous lawsuits.
  • B. If a nurse is found guilty of malpractice, the institution can sue the nurse.
  • C. Liability policies may also cover charges of libel, slander, assault, and HIPAA violations.
  • D. Only doctors are sued for malpractice.
Correct Answer: C

Rationale: The correct answer is C because liability policies can indeed cover charges beyond malpractice, such as libel, slander, assault, and HIPAA violations. This is important as nurses can face legal actions related to various aspects of their practice beyond just malpractice. Option A is incorrect as expenses can still be involved in defending against frivolous lawsuits. Option B is incorrect because it states that the institution can sue the nurse, which is not the primary reason for having liability insurance. Option D is incorrect as nurses can also be sued for malpractice, not just doctors. Therefore, option C is the most comprehensive and relevant reason for an RN to have a professional liability insurance policy.