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?

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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?[/quote']

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.

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Specializes in Acute Care Cardiac, Education, Prof Practice.

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.

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I've carried 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.

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Specializes in Trauma | Surgical ICU.

I have a . 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.

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Specializes in Public Health, L&D, NICU.

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.

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Im a new grad and very interested in getting . I was wondering what are some good insurance companies to consider? Thank you!

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Specializes in Family Medicine.
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.

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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.

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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!

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Specializes in Trauma Surgical ICU.

I have it will not work without it. No need to say why, the other poster sum it up well :)

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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.

https://allnurses.com/general-nursing-discussion/malpractice-insurance-795371.html

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