MALPRACTICE INSURANCE: FAQS
Should you have your own policy even if you're covered by your employer?
Gold Sheet 4(2) 2002
Carolyn Burpee RN, JD
Free registration required:
http://www.medscape.com/viewarticle/429475?srcmp=nurs-032202
Although this article is geared for NP's, I agree with Carolyn's opinion that all nurses should carry their own malpractice coverage, ....usually less that $100.00/year and peace of mind.
Occurrence policies are preferrable over claims made policies. An occurrence policy covers any incident which occurred when the policy was paid up. And yes, don't discuss with patients that you have insurance!!!
Karen