Professional insurance

Nurses General Nursing

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I got my first nursing positions, this week (one at a major hospital and then a per diem position doing corporate health fairs). I was going to wait until I started my orientation at the hospital to get insurance but I need to get it ahead of time due to my per diem position. Can I please get some guidance in where to look for insurance? Thank you!!

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Specializes in Nephrology, Cardiology, ER, ICU.

Insurance Options available through NSO

Professional Liability Insurance

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Before anybody comes back and says nurses don't need it for a variety of reasons (the hospital covers you, they only sue people with insurance, blah blah...all BS, and I don't mean "bachelor of science), I hope they'll read this.

If you type "" into the window at the top of this page, you'll get a number of links to previous threads on this, and some to companies that sell it. I've had NSO for decades.

https://allnurses.com/general-nursing...es-583077.html

Some folks will say that they have heard that only people with insurance get sued, under the "deep pockets" theory of litigation, or that the hospital's insurance will cover you for nursing malpractice. Neither is true. Problem is that if your hospital has a judgment against them for something you did, they don't pay it, their insurance carrier pays it. And then, no matter what the hospital promises you, the insurance carrier is entitled by law to recover their losses...from you. My dad wrote insurance on hospitals for years and told me never, never, never go "bare" (without my own insurance) unless I was perfectly comfortable living under a bridge, with no real estate, no money, and no car.

Yeah, I know, there are laws protecting some assets under bankruptcy. But they could garnish your wages more or less in perpetuity, and that wreaks hell with your credit rating. You wanna deal c that? Not I, since decent malpractice insurance is good for short money.

Make sure the policy you buy is clear to you: Does it cover you only while it's in force (while you're still paying for it), or does it cover you for things that happened while you were paying for it in the past, even if you aren't working now and don't think you need insurance? Be sure it pays for your own lawyer, too, or supplies one to defend you (never, never rely on the hospital's lawyer to defend you-- conflict of interest there; they do not have your best interests at heart no matter what they say).

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Specializes in Trauma, Teaching.

I've had NSO for over 30 years. Worth every penny.

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Thank you! After looking at a few companies, I decided to go with NSO. I know that the hospitals and unions say that it isn't necessary but I rather be overly cautious than sorry in the long run.

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I have NSO insurance for nursing students.

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Specializes in Med Surg Tele.

This is where I got my additional nursing insurance. It was only like $55 and I'm a brand new nurse.

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