Re: What liability coverage do you carry?

I have NSO- it costs more and I get less coverage then the previous posters because I'm in Texas but I do feel a little bit better knowing I have it

Re: What liability coverage do you carry?

Originally Posted by joeyzstj

None. I have three lawyers in my family who have all suggested I not carry anything. In most cases lawyers will not sue the nurse if there is nothing to sue for. This isnt absolute, however in cases of people I know personally it has worked great

It's absolutely a myth that people who have liability insurance will get sued before people without. How would a complainant know who is insured prior to issuing proceedings?? And if you are sued, they still have to be able to prove that you did something wrong, and that someone was injured by that act. If you did, you're insured! If not, you're all clear.

Re: What liability coverage do you carry?

I attended a legal documentation seminar not too long ago and the instuctor could/would not come right out and say that we should all have our own malpractice insurance but they were able to make it clear that it is a very good idea.

It was re-inforced though that if you chose to carry malpractice insurance no one needs to know about it except an attorney if you have to go to court.

I always thought that I was good at charting to protect my license but I learned so much about what lawyers look for in nursing documentation that it changed the way I document. I feel much more confident and secure in not only the job that I do but in how I document it.