Ok so something happened to me today at school that has me thinking. I am currently a LPN and have always carried malpractice insurance throughout my entire career, and you could not convince me otherwise. Well, I am currently in a bridge program working on my RN. Today we were at clinicals, and we were just discussing the end of our day with our instructor. I had brought up something about malpractice insurance and to make sure you always have it. Our instructor highly emphasized that we DID NOT get malpractice insurance. I was baffled by this. She said most RN's she has ever worked with never carried it because it just puts a big red X on your back. She proceeded to tell us that even her ethics professor at her school told her not to get insurance as well. My instructor said that hospitals will cover you under their policy. Now I already knew this, but I also know that hospitals do not have our best interest, they have want to protect their own butts first.
I guess I just wanted to know what is everyone else's take on this? Do you carry malpractice insurance? It seems like it has always been drilled into my head to always have malpractice insurance, and now I have an instructor telling me no! I understand that it can target you, but still. I guess I'm just trying to figure out what I should do when I graduate. Of course, I'm going to watch my P's and Q's and follow protocol, but still I'm human and a mistake could always happen.