Re: Has Anyone Ever USED Their Malpractice Insurance? Originally Posted by Aydia1
One of the members of our risk management team stated that in some instances, a private policy would not even cover the work incident. Has anyone else found this to be true?
I really think you need to stop listening to the risk management people when it comes to malpractice insurance..they have a vested interest in making sure you don't have your own policy. Look at it this way, why do they spend so much time arguing against it? Obviously, they see it as some sort of threat.
I've only known a couple of people who have needed their insurance. But if you get NSO, it's $98 a year..that's less than $10 bucks a month and it covers you in many situations. It'll give you coverage if you ever get called before the BON..there's been cases of people getting summoned for nonsense claims due to someone seeking revenge. Sad, but it happens.
It's great that you appear to be a honest sincere person who wants to think the best of people. But sadly, even if you work in a hospital affiliated with a church, the fact is, the hospital and it's "minions"

(ie administrators, CEOs etc) are looking out for their interests. Theirs, not the nurses, and in most cases not even the patients. I have seen this time and time again..they especially love trotting out the "we won't leave you hanging" line to the new RNs or new employees..tell that to the nurses and CRNA that almost had their licenses taken due to a mistake by the surgeon. They did everything they were supposed to, but like I said easier to go after a nurse than a surgeon. None of them had their own insurance-they had to pay all the legal fees.
You are also in a high risk specialty for lawsuits/calls to the BON..please, look after yourself and your career.
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