Liability insurance

  1. Can anyone recommend a good liability insurance company? I am a new grad and want to get this set up a.s.a.p. - just don't know who has good rates, etc.

    Thanks!
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  2. 13 Comments

  3. by   RNPATL
    Hi Karen ... is there a reason that you are so anxious to get liability insurance? In most cases, you are covered by your employer. Of course, there are many nurses that advocate getting liability insurance because the hospital insurance is focused on the interest of the hospital and not the nurse. Over the past 20 yers of nursing, I have never had the need to have liability insurance. I have been diposed 3 or more times and the cases settled before going to court. Of course, I was disposed but not the primary person involved in the lawsuit. I really have never give a thought to liability insurance.

    There are several companies out there. One that is used a lot is CNA. I am not sure what their web address is, but I know they advertise a lot in Nursing 2004 magazine. You might want to do a search there to start. Good luck.
  4. by   nekhismom
    try NSO. THey have really cheap rates for new grads, and the rates for after the 1st year post graduation aren't bad, either.
  5. by   CCU NRS
    Quote from RNPATL
    Hi Karen ... is there a reason that you are so anxious to get liability insurance? In most cases, you are covered by your employer. Of course, there are many nurses that advocate getting liability insurance because the hospital insurance is focused on the interest of the hospital and not the nurse. Over the past 20 yers of nursing, I have never had the need to have liability insurance. I have been diposed 3 or more times and the cases settled before going to court. Of course, I was disposed but not the primary person involved in the lawsuit. I really have never give a thought to liability insurance.

    There are several companies out there. One that is used a lot is CNA. I am not sure what their web address is, but I know they advertise a lot in Nursing 2004 magazine. You might want to do a search there to start. Good luck.
    I was one of those nurses that did not feel that liability insurance was necessary. I no longer feel that way. this is a very letigious time we are living in and there are people that are just loking for a way to amke a quick buck. Unfortunately Hospitals and healthcare providers make easy targets. There are just too many contingencies that could land you in a bad position.

    I had an experinece i do not wish to elaborate on here but if you would like to PM me i will give a few details.

    I am now insured by NSO
  6. by   BarbPick
    Quote from nekhismom
    try NSO. THey have really cheap rates for new grads, and the rates for after the 1st year post graduation aren't bad, either.
    I have my life insurance with NSO. Their malpractice Insurance is the most popular and easy to keep in touch with.

    I have seen people squabble back and forth. No disrespect for the nurse who says she has been deposed three times and nothing happened. Since I am an old nurse and am called as an expert witness in Oncology and Vascular access cases, expert nurses depending who is paying them will will either help you or kill you. If I am called in for an IV or Chemo mistake, I make my case.
    Buy Malpractice and Liability insurance or lose your home.
    The last case I testified for the plaintiff and the nurse was found liable and HER insurance took care of the finances and the lawyer.
  7. by   suzanne4
    Would highly recommend the insurance through NSO. If I was working in the US right now, I would not be without it.
  8. by   KarenAR
    Quote from RNPATL
    Hi Karen ... is there a reason that you are so anxious to get liability insurance? In most cases, you are covered by your employer. Of course, there are many nurses that advocate getting liability insurance because the hospital insurance is focused on the interest of the hospital and not the nurse.
    The reason I want to get insurance is that my professors (in North Carolina) said it USED to be the case that nurses were covered by their employers, but now, things are different. Nurses can now be individually sued and their employers may very well not cover them. So getting insurance has been on my to-do list since graduation and I need to get it done and mark it off of my list!

    I do not want to get into a discussion here about whether or not insurance is necessary...there is another active discussion thread on that topic! Just wanted tips on companies to contact - so thank you for the CNA tip. Do you know what "CNA" stands for? That info might make it easier to find them online.

    I found NSO online before posting. The rate (esp. for a new grad) was good. But does anyone know how its coverage compares to other companies' coverage?

    THANKS again,
    K.
  9. by   BarbPick
    Nursing Service Organization reprsents CNA insurance, same thing
  10. by   KarenAR
    Quote from BarbPick
    Nursing Service Organization reprsents CNA insurance, same thing
    Thanks, BarbPick!!
  11. by   fiestynurse
    I recommend NSO - Cheap - Great coverage
  12. by   CCU NRS
    Quote from KarenAR
    Can anyone recommend a good liability insurance company? I am a new grad and want to get this set up a.s.a.p. - just don't know who has good rates, etc.

    Thanks!
    This is an article I wrote about this subject sort of.try this
  13. by   fiestynurse
    I liked your article CCU NRS.
  14. by   CCU NRS
    Thank You!!!

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