by nursecass

Alright, so since joining I have already gotten a TON of great advice from all of you, and now I need a little more.
I am looking at getting liability insurance, but am unsure of what to get and with what company? I was thinking NSO, but wasn't sure if there is a better company out there or if there is one specifically for critical care that I should be looking out for. Any advice would be GREATLY appreciated!

Re: What liability coverage do you carry?

I carry 1,000,000/3,000,00 aggregate from NSO.

Re: What liability coverage do you carry?

Same as above

Re: What liability coverage do you carry?

Me too

Re: What liability coverage do you carry?

same NSO 3,000,000-6,000,000

Re: What liability coverage do you carry?

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

Re: What liability coverage do you carry?

NSO cheap and covers me...........works for me!

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

Eeeekkkk……

Well for $50-100/yr it’s worth it. You may not “get sued” in the end but liability insurance pays you if you have to be out of work pending an investigation if your license is temp suspended. So it’s not just about “getting sued” it protects you in many other ways.
What happens if your license is suspended pending an investigation that lasts 6 months…..sure don’t want the bank taking your house because you’re out of work. Better to be safe…..just when ya think it won’t happen to you

Re: What liability coverage do you carry?

I have 1,000,000/3,000,000 attached to my homeowner's insurance. It was cheaper. I have State Farm. My agent brought it up many years ago. My understanding of lawsuits against nurses is that they are directed at the hospital, under the premise of respondeat superior ( let the master answer). It is easier to sue an anomalous institution than an individual and institutions have deeper pockets. I thought it was illegal to discover potential financial assets of a defendant in litigation.

Re: What liability coverage do you carry?

My question is: if the patient is suing the doctor only, will his malpractice lawyers bring down the nurses with him? If they are just suing the doctor, won't the nurses be brought in to testify against him? Or can they just settle out of court before it came down to all that?