Assignment: Liability Insurance Policy

Assignment: Liability Insurance Policy

Did the lack of documentation in the admitting nurse’s assessment and notes affect the ultimate outcome of this case?
Was there negligence on the part of the nursing staff in the care of this patient?
What could the nurse have done differently to facilitate a different outcome in this case?
How would you decide this case?
Using the sample professional liability insurance policy (Guido, p. 193-194), locate the various provisions:
DECLARATIONS Policyholder’s Name: ___Judy Doe __________________________________________ Covered Professional Occupation: Registered Nurse; Staff position Acute care institution or community health/home health Coverage Period: May 1, 2008 through April 30, 2009 Duties in Event of a Claim: If there is a claim, you must do the following: 1. notify us and our program administrator, in writing, as soon as possible; 2. specify the names and addresses of the injured party(s) and any witnesses, information on the time and place of the event; 3. verbally discuss the nature of the event with our claims representative; 4. immediately forward all documents that you receive in connection with the claim to us: 5. fully cooperate with us, or our designee, in the consummation of settlements, the defense of suits or other proceedings, enforcing any right of contribution or indemnity against another who may be liable to you because of injury or damage. You shall attend hearings and trials, assist in securing and giving evidence, and obtaining the attendance of witnesses; 6. refuse, except at your own cost, to voluntarily make any payment, assume any obligation, or incur any expense. Limits of the policy: $1,000.000 per claim/$3,000,000 aggregate
In consideration of payment of the premium, in reliance upon the statements in the declarations and subject to all of the terms of this policy, agrees with the named insured as follows:
COVERAGE AGREEMENTS The company will pay on behalf of the insured all sums that the insured shall become legally obligated to pay as damages because of:

You must proofread your paper. But do not strictly rely on your computer’s spell-checker and grammar-checker; failure to do so indicates a lack of effort on your part and you can expect your grade to suffer accordingly. Papers with numerous misspelled words and grammatical mistakes will be penalized. Read over your paper – in silence and then aloud – before handing it in and make corrections as necessary. Often it is advantageous to have a friend proofread your paper for obvious errors. Handwritten corrections are preferable to uncorrected mistakes.

Use a standard 10 to 12 point (10 to 12 characters per inch) typeface. Smaller or compressed type and papers with small margins or single-spacing are hard to read. It is better to let your essay run over the recommended number of pages than to try to compress it into fewer pages.

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The paper must be neatly formatted, double-spaced with a one-inch margin on the top, bottom, and sides of each page. When submitting hard copy, be sure to use white paper and print out using dark ink. If it is hard to read your essay, it will also be hard to follow your argument.