Malpractice insurance

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I am a fourth year student in a BSN program. Today, in my leadership class we were discussing . I am curious, how many RNs carry their own malpractice insurance? Why or why not?

Excellent advice on on that link GrnTea, thank you for taking the time to spread your wealth of knowledge!

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How much are most student plans (e.g., through NSO)?

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So NSO seems to be the best? I am a new grad; more or less how much is this insurance per year?

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So NSO seems to be the best? I am a new grad; more or less how much is this insurance per year?

I paid 50$ or so for my first year, I believe it discounts your first year 50%.

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The prices depend on your current work status PT or FT. I paid for FT although I don't work FT. I paid for FT just in case I pick up extra shifts that put me in FT position liability. Just a piece of mind to have.

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Wow, thank you all so much!! I honestly had not even considered carrying my own until we talked about it in class. I didnt know it was so common among nurses! Now, I am definitely going to look into it!

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Specializes in Nursing Professional Development.

I bought it as soon as I graduated in 1977 ... and have never let it lapse.

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Oh my gosh, do any of you work in L&D? That's where I am working as an extern right now. Just looked up pricing through AWHONN, and it's $385 annually! -_- I guess I rather be safe than sorry though!

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Specializes in Pediatrics, Step-Down.

That's way too much! Professional Liability Insurance for nurses, nursing medical malpractice. . This is what I have and I think a lot of other people do too. I can't remember exactly how much it is (I renew every year in May so it's been a while) but I think its around $100 for the year for max coverage. I think it is even cheaper as a new grad. Definitely worth it

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NSO is the company referred to us as students. I just kept it when I got my license. I pay about $100/yr. I've never had to use it so I'm not sure about ease of actually using it.

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Specializes in ED.

I carry mine through NSO. It;s $100 a year, better safe than sorry.

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I have NSO and actually have carried with them since I was a student. It's very cheap and even though my employers have all offered some protection to me, there's always the chance that if something ever happened that our interests would not be the same. I see no compelling reason NOT to have it. I had one professor in nursing school who said if you carry you are more likely to be sued but I've seen nothing to back that up.

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