Malpractice insurance

  1. 0 I am a fourth year student in a BSN program. Today, in my leadership class we were discussing malpractice insurance. I am curious, how many RNs carry their own malpractice insurance? Why or why not?
  2. Visit  Best_Name_Ever profile page

    About Best_Name_Ever

    Best_Name_Ever has '.' year(s) of experience. From '.'; Joined Sep '12; Posts: 93; Likes: 59.

    32 Comments so far...

  3. Visit  grrn profile page
    0
    Quote from bsnstudent16
    I am a fourth year student in a BSN program. Today, in my leadership class we were discussing malpractice insurance. I am curious, how many RNs carry their own malpractice insurance? Why or why not?
    I carry it ad a safety net. It covers many things that ykur employer's coverage does not. Your employers coverage protects them, and your policy protects you.
  4. Visit  Tait profile page
    0
    I am not even practicing right now and I keep my current. $120 a year is worth it for me. While I loved my employer, I never wanted to be in a position where they might push something off on me, so I wanted to be protected. I carry mine through NSO.
  5. Visit  CT Pixie profile page
    0
    I've carried malpractice insurance since I was an LPN student (yes students can be sued for things done during clinicals). Once licensed as an LPN, I kept it. I'm currently set to graduate with my ADN in May and once I take and pass the NCLEX I'll change my insurance from LPN coverage to RN.

    Why? No one is going to get my back other than me when the dookey hits the fan.
  6. Visit  Nurse_ profile page
    0
    I have a malpractice insurance. It's better to have it and not need it than need it and not have it.

    When things hit the fan, it's mostly the nurses who are in front of the firing squad. Protect your life/license at all cost.
  7. Visit  monkeybug profile page
    1
    I've had it since I graduated. Why? Because I knew that when the proverbial crap hit the fan that my employer would be looking out for their interests, not mine. I'm the only one who really cares, at the end of the day, about me. It's a very little bit to pay for a whole lot of peace of mind. I've never needed it (thank you, Lord) and hope I never do, but it sure is nice to know it's there.
    anotherone likes this.
  8. Visit  chatty-cathy profile page
    0
    Im a new grad and very interested in getting malpractice insurance. I was wondering what are some good insurance companies to consider? Thank you!
  9. Visit  noyesno profile page
    0
    Quote from nursehafty
    Im a new grad and very interested in getting malpractice insurance. I was wondering what are some good insurance companies to consider? Thank you!
    NSO is the most popular one.
  10. Visit  FlorenceNtheMachine profile page
    0
    Quote from nursehafty
    Im a new grad and very interested in getting malpractice insurance. I was wondering what are some good insurance companies to consider? Thank you!
    NSO is nice, and I had a colleague that had to use her insurance within a few months of graduation (not her fault at all, just wrong place wrong time situation) and she had NSO. She said it was a pleasure working with them in a real stressful situation. She was cleared of all responsibility as well.
  11. Visit  chatty-cathy profile page
    0
    Quote from FlorenceNtheMachine
    NSO is nice, and I had a colleague that had to use her insurance within a few months of graduation (not her fault at all, just wrong place wrong time situation) and she had NSO. She said it was a pleasure working with them in a real stressful situation. She was cleared of all responsibility as well.
    Great, thanks for the tip! I hope things worked out ok for your colleague because that sounds like such a stressful situation!
  12. Visit  Sun0408 profile page
    0
    I have it will not work without it. No need to say why, the other poster sum it up well
  13. Visit  GrnTea profile page
    0
    This discussion covers all you need to know, including why the people who say your employer will cover you is fine are wrong, or that lawsuits only go after deep pockets is nonsense.

    http://allnurses.com/general-nursing...ce-795371.html
  14. Visit  chatty-cathy profile page
    0
    Excellent advice on on that link GrnTea, thank you for taking the time to spread your wealth of knowledge!
    Last edit by chatty-cathy on Feb 26, '13 : Reason: spelling

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