Malpractice Insurance?

IMO...the minute you get your license from the state BON. In fact, get it the minute you graduate--that's what I did, even though the license came a month later and the job two months after that. (I was (and still am) volunteering at a free clinic in the meantime). I figured having the insurance settled was one less thing for me to worry about.

As far as the whole "don't tell thing", I don't advertise the fact I have it...but if someone asks me I'll tell them I have it. Not surprisingly, no one has asked