How many of you carry personal malpractice insurance
? If you do, what area of nursing do you practice?
In OB, which is one of the higher liability areas, we were discussing if it is a good idea or not to have personal malpractice insurance. Some see it as a bad sign if an RN carries this, or others see it as just available funds for settlement. In other words, if a patient knows that the money is out there, they are more likely to try to settle for that amount, verses if you have the hospital cover you they are only likely to settle for, say $100,000.