What is a significant fact about professional liability insurance?

Personal liability insurance offering representation for board charges is significant because it emphasizes the protection that such insurance provides against professional misconduct allegations. In many professions, including nursing, practitioners can face accusations that may lead to disciplinary actions or board reviews. Having personal liability insurance ensures that individuals are not only covered for legal fees and other costs associated with civil lawsuits but also receive legal representation in cases where their professional conduct is scrutinized by licensing boards. This aspect of coverage helps safeguard a professional's career and allows them access to resources necessary for defending their professional standing.

The other statements fail to accurately reflect the nature of professional liability insurance. While liability insurance can have various implications, saying that carrying insurance makes one more likely to be sued does not establish a direct correlation; rather, it reflects preparedness in case of litigation. Employers may provide some level of liability coverage, but it may not encompass all situations a professional could encounter, making personal insurance valuable. Lastly, liability insurance is indeed available for hospital nurses and other healthcare professionals, allowing them to protect themselves in a range of circumstances related to their practice.