Final answer:
Hospital employees are generally covered by professional liability insurance for negligent acts. This is separate from Workman's compensation, which covers injuries sustained on the job. Hospitals may also have general liability insurance for non-professional negligent actions of employees.
Step-by-step explanation:
Hospital employees who commit negligent acts are typically covered by professional liability insurance, also known as malpractice insurance. This type of insurance is designed to protect healthcare professionals against legal claims arising from their professional actions or omissions that result in patient harm. In addition to professional liability insurance, hospitals may also have general liability insurance to cover non-professional negligent acts of their employees.
However, it's important to note that Workman's compensation insurance is different from professional liability insurance. Workman's compensation is a form of insurance providing wage replacement and medical benefits to workers injured in the course of employment. It does not apply to liability for professional negligence. The concept of holding healthcare workers and hospitals accountable, including how manufacturers are liable for equipment failure, and the role of government in ensuring use and maintenance of medical equipment are all part of the complex legal framework surrounding medical professional liability.
Pension insurance, mentioned herein, is another form of insurance that employers provide for their retirees; it does not cover liabilities arising from professional actions.
Understanding these protections is crucial for hospital employees, manufacturers of medical equipment, and those involved in healthcare administration. The government institutes regulations, such as those enforced by OSHA, to ensure that workplace health and safety requirements are met, providing a safer environment for workers and patients alike. These regulations also protect workers' rights to report work-related injuries without fear of retaliation.