D. All of the above. There are instances of nurses being sued for an injury that was not even their fault. In one case, an emergency room nurse found herself being sued as a result of a child's death. Nurses can get sued even when they act in good faith to report a problem. In one instance, a nurse who suspected child abuse by the parents of a foster child reported her suspicions to a social service agency.
Nurses face great uncertainty when it comes to receiving malpractice insurance from their employers.
Faced with higher insurance costs, many hospitals are cutting back or canceling policies altogether. Your employer's insurance company can sue you if they believe they suffered a loss as a result of your actions. This could mean financial disaster for you. For these reasons, you must have your own malpractice insurance in order to feel totally protected. Writing opinions is the most common error nurses make when they chart.