There are a number of threads here that discuss the pros and cons of having your own coverage; you can search and review them if you're interested. If you really believe that your employer would stand by you if the doo-doo really hit the fan someday at work, I have a bridge in Arizona I'd love to sell you!
I would never trust an employer to look out for my best interests (if they conflicted even slightly with the institution's interests), and I'm one of those nurses who would never dream of working a single day without my own, individual liability coverage.
Realistically, the chances that you, as a nurse, will ever be sued for malpractice are v. slim. However, the standard nursing liability policies also provide coverage for legal representation and expenses (lost wages, etc.) if you are deposed or called as witness in a suit against
someone else, and legal representation and expenses if you have to go before the BON to defend your license. Either of those situations are much more likely to come up during your career than being sued yourself; you would certainly want to have (your own) legal representation in those situations; and just the first
hour of consultation with an attorney would cost you more out of pocket than the annual premium for your own coverage (for a generalist RN).
My father is an MD (now retired); he advised me strongly back when I was in nursing school (back in the Dark Ages) to never work without my own liability coverage, and everything I've seen since then in the 20+ years I've been practicing has just reinforced to me what good advice that was.
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