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We were forced to carry student insurance when I was in school. When I took my first job as a licensed nurse while still in school, I changed my policy to a regular one. For LPNs, the premium is around $89/year. One provider: www.nso.com.
The time to acquire professional liability insurance is as soon as you are liable for doing something wrong (actual or perceived). That starts the first time you touch a patient, whether you are a student or licensed nurse.
It's cheap, about $100/year. Plenty of people spend that on coffee in a month.
I'm a new lpn and also just about finished with the adn program and have never had malpractice insurance. I'm going to be looking into this tomorrow. Can anyone tell me a little more about it? I always thought your place of employment covered you.... Can you all tell I'm in need of teaching!?
Your place of employment will cover themselves. If they think it is in their best interests to cover you, they will do so, but only so long as it remains in their best interest. You can read stories about nurses who got caught up in the myth that the employer takes care of them in case of a lawsuit. Go to the website of one of the providers, www.nso.com; there are examples given at this site of lawsuits and they do a good job of explaining the malpractice insurance product.