Vette, undoubtedly your insurance provider will subscribe to your need to have insurance. For a neutral opinion, I suggest calling a medical defense attorney (and not the one assigned to defend your hospital- but someone completely neutral). Example: A patient dies due to a medication error. Who are they going to sue- the physician, the hospital, the pharmacist, or the nurse? They want to get the biggest $$ amount they can get. Hospitals carry about a 3 million dollar policy (usually). Wouldn't it be more advantageous for them to prove that the hosptial's policy and procedures were not substantial enough to protect the patient from undue harm, than to prove you are a bad nurse? Actually, if they prove you are a bad nurse and that you as an individual caused the problem, then that would make finding fault with the hospital harder. Why would they want to do that (unless your house, car, clothes, or insurance policy, etc are worth 3 million)? Sometimes, multiple persons are sued- but as I demonstrated above the nurse's involvement is usually stated as the hospital's neglect. The physician is almost always sued as well, rather he/she were present or not. You are also correct in assuming the hospital's insurance does nothing for you personally- after all, if the hospital is going to try to prove they did everything right- then perhaps you are a bad nurse- and a nice nursing insurance policy may make that a more convincing case to the party bringing the suit. The absolute best thing a nurse can do to prevent being sued- smile, be polite, and admit when there has been a mistake to the patient. I appreciate your reply- thanks.