Which Statement Regarding Individual Liability Insurance Policies Is Correct

question 4

Multiple Choice

Which statement regarding individual liability insurance policies is correct?

• A) A personal liability policy is not necessary if the healthcare professional is employed in any capacity at a healthcare facility, because the facility's policy will cover his or her actions.
• B) A person who does not own any property does not have anything to protect and therefore does not need a liability policy.
• C) Independent contractors may require individual liability coverage even though he or she may be covered under a healthcare facility's policy.
• D) An independent contractor would not be sued and therefore does not need liability coverage.

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Definitions:

Workplace Deviance

Behaviors exhibited by employees that violate organizational norms, policies, or ethical standards.

Locus of Control

A psychological concept that refers to individuals' belief about the extent to which their actions can influence the events that affect their lives.

Personality Dimension

A Personality Dimension is a category used to describe a broad aspect of human behavior and attitudes that are consistent and enduring over time.

Role Stress

The stress experienced by individuals when there is a conflict, overload, or ambiguity in their job roles.