Barriers to the Development of Nurses’ Professional Liability Insurance

Abstract

According to Article 1 of the Civil Liability Law, anyone who, without legal authorization, intentionally or through negligence, causes harm to the life, health, property, freedom, dignity, commercial reputation, or any other legally recognized right of another person, resulting in material or moral damage, is liable to compensate for the loss arising from their action. The idea of establishing a specific compensation system for damages occurring in hospitals and clinics emerged when the solutions proposed by legal doctrines and judicial precedents for compensating such damages failed to resolve the issue completely. Today, medical service insurance policies in developed countries have become increasingly specialized, and insurance companies cover only those losses explicitly stated in the policy. Medical professionals, therefore, are often required to obtain multiple liability insurance policies to achieve comprehensive coverage of their professional responsibilities. This review article attempts to address issues related to nurses’ professional negligence, professional liability insurance, and its objectives and barriers. The research method is based on a library study and searches conducted on databases such as Google Scholar, PubMed, and SID, using keywords including professional liability insurance, nursing negligence, and objectives of liability insurance. The findings of the study indicate that the occurrence of errors in healthcare systems is inevitable. Despite significant scientific advancements in diagnostic and therapeutic services, the rate of malpractice complaints continues to rise. Therefore, acquiring precise knowledge about nursing liability is essential for reducing patient damages and enhancing the sense of security among healthcare personnel.