Should I Carry Malpractice (Liability) Insurance? Should I Carry Malpractice (Liability) Insurance? - pg.12 | allnurses

Should I Carry Malpractice (Liability) Insurance? - page 12

This question comes up frequently and is asked of me quite often, "should I carry malpractice insurance?" "What is malpractice?" Simply put, it is a failure to adhere to a standard of care... Read More

  1. Visit  hoope profile page
    I liked this discussion .. this report is so good .
    Thanks
  2. Visit  care365 profile page
    Which company is better?? NSO or Proliabilty?
  3. Visit  yooper86 profile page
    What if I get it in the state I'm working in now but plan on moving to another state later this year? Do I just contact the company I have insurance through? Or am I covered no matter what state I'm in?
  4. Visit  elkpark profile page
    Quote from yooper86
    What if I get it in the state I'm working in now but plan on moving to another state later this year? Do I just contact the company I have insurance through? Or am I covered no matter what state I'm in?
    Contact your provider promptly (I would do it well in advance) and discuss your plans with them -- since premiums are partially determined by where you are practicing, the move may change your premium. (And, if "something happened" in your new location, I'm sure the company would claim you weren't covered since you didn't notify them of the change.)
  5. Visit  Lindsey McGraw profile page
    Definitely, from my perspective. Over the years fortunately I only had one concern where I called the 800 number for my
    malpractice insurance with a valid question/concern. All turned out well, but it was enough to make me realize there are
    patients, families etc. out there with unrealistic expectations sometimes. Also, as the saying goes "To error is to be human" and an informed society now knows they can sue a nurse. Presently I am studying for CLNC certification which has opened my eyes wide into these possibilities because the corporation/hospital/nursing home etc. one works for does not protect/nor will they be standing next you in case of a lawsuit. Just a thought?
  6. Visit  turnforthenurse profile page
    As a new grad RN starting in progressive care by the end of this month, I am seriously considering purchasing malpractice insurance. I got a quick quote from NSO. First year (discount), employed full-time, living in Texas...at $126.50 for only $100,000/$300,000? And it seems like that is all the coverage that is offered.

    Should I go with it or find another company that offers more coverage?
  7. Visit  Lindsey McGraw profile page
    Since I am older and wiser, absolutely do not work without malpractice insurance. Take a look through the recommendations of nurses on the blog.... NSO is a good choice and one I have used for many years. Presently working in a supervisory capacity would not even consider working without coverage. Carefully watch some of the lawyers ads on TV about medical negligence etc. that should make your decision an easy one.
    Best of Luck!!- in your new exciting nursing career.
  8. Visit  NRSKarenRN profile page
    melosaurrn, that is what most companies are offering and should suffice for new grad.
  9. Visit  turnforthenurse profile page
    Quote from nrskarenrn
    melosaurrn, that is what most companies are offering and should suffice for new grad.
    i decided to get a quote from proliability and they offer a lot more coverage....1m/6m with a $45 premium or 2m/4m with a $53 premium...those seem like a better option to me? or should i just go with the $100,000/$300,000 with nso? it just seems a lot more expensive for a lot less coverage ($126.50).

    though i'm also confused on how those premiums work...is it for every month/every 6 months? is the $126.50 quote that i got from nso every month or for every 6 months?
    Last edit by turnforthenurse on Jun 3, '11
  10. Visit  sirI profile page
    Quote from melosaurRN
    I decided to get a quote from Proliability and they offer a lot more coverage....1m/6m with a $45 premium or 2m/4m with a $53 premium...those seem like a better option to me? Or should I just go with the $100,000/$300,000 with NSO? It just seems a lot more expensive for a lot less coverage ($126.50).

    Though I'm also confused on how those premiums work...is it for every month/every 6 months? Is the $126.50 quote that I got from NSO every month or for every 6 months?
    Proliability is one of the selections on the 1st page.

    This coverage sounds good. And, it does include coverage should you require an Attorney.

    It pays to shop around to find the coverage that is right for you.
  11. Visit  turnforthenurse profile page
    I decided to go with Proliability More coverage, more peace at mind God forbid something happens.
  12. Visit  browpe24 profile page
    I am so thankful that I read this article. Thank you for the pointers. After reading through all of the comments. I think that I will do some shopping around. I might even go through the proliability. I want to have the most coverage as possible. thank you melosaurRN.
    Last edit by browpe24 on Jun 5, '11
  13. Visit  dsp9x profile page
    cph and associates also offers nursing liability insurance, www.nurseins.com. they have free instant quotes so you can see before you start to apply and their rate was right there with the other ones i looked at. i forget the exact amount but my policy was under $100. i applied online and had all the documents in my inbox in a couple of minutes.

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