Should I Carry Malpractice (Liability) Insurance? - page 8

This question comes up frequently and is asked of me quite often, "should I carry malpractice insurance?" Many nurses are covered under their own individual liability insurance carrier. Many more are... Read More

  1. Visit  Divinelyloved profile page
    1
    God bless you siri for starting this tread, av read through it and am logging onto nso to get my quote, they seem to be the only one with a lot of info, am a new grad so i think i will get a reasonable price....much tks
    sirI likes this.
  2. Visit  Divinelyloved profile page
    0
    hi siri, does the malpractise insurance transfer to a different state or are you only covered in a particular state? am trying to fill mine now...
  3. Visit  sirI profile page
    0
    Quote from Divinelyloved
    hi siri, does the malpractise insurance transfer to a different state or are you only covered in a particular state? am trying to fill mine now...
    Should you move, you will have to contact NSO and advise them on this. That way, they can adjust the premiums.
  4. Visit  diane227 profile page
    0
    This is an interesting subject. I did a case as a legal nurse consultant where the hospital was sued for something (I can't remember what) but their limits of liability were $250,000 per event (this was a county hospital and their limits were established by law). However, as they reviewed the case they came to learn that one of the nurses in the case, who had given the patient one does of medication, who's name appeared on the chart once, who had nothing to do with the allegations being made, was found to have a malpractice insurance policy for a million dollars. They immediately jumped on her like vultures. They did everything they could to try to turn the case around to make it appear that the "error" was her fault. It ended up costing her a lot of time and money, plus harm to her reputation.

    The only time I have carried malpractice insurance is when I have acted as an independent agent such as working as an agency nurse or as a legal nurse consultant. Otherwise, I do not carry insurance.
  5. Visit  kriziabrown profile page
    0
    That is a pretty interesting topic to think about. When I think of malpractice I automatically think of a doctor. I didn't know nurses need to have malpratice insurance. Do the hospitals cover that or how does that work??? I guess i would not get it either hearing that story makes me think about it. But if a nurse makes the error would you get sued as a person or would they just sue the hospital directly??? This is a bit of a confusing topic to me that I would like to know more about.
  6. Visit  elkpark profile page
    2
    Quote from kriziabrown
    That is a pretty interesting topic to think about. When I think of malpractice I automatically think of a doctor. I didn't know nurses need to have malpratice insurance. Do the hospitals cover that or how does that work??? I guess i would not get it either hearing that story makes me think about it. But if a nurse makes the error would you get sued as a person or would they just sue the hospital directly??? This is a bit of a confusing topic to me that I would like to know more about.
    Have you read the rest of this thread? All those issues are discussed earlier in the thread. There are also several other threads on this site discussing the pros and cons of personal professional liability ("malpractice") insurance.
    talaxandra and sirI like this.
  7. Visit  sirI profile page
    0
    Quote from kriziabrown
    That is a pretty interesting topic to think about. When I think of malpractice I automatically think of a doctor. I didn't know nurses need to have malpratice insurance. Do the hospitals cover that or how does that work??? I guess i would not get it either hearing that story makes me think about it. But if a nurse makes the error would you get sued as a person or would they just sue the hospital directly??? This is a bit of a confusing topic to me that I would like to know more about.
    Hello and Welcome to the Medical-Legal Argot Blog.

    elkpark is correct. Please review the first post of this thread and your questions will be answered.
  8. Visit  RkfdNurse1 profile page
    4
    Absolutely YES, get malpractice insurance!!! I had been a nurse for over a year when a fellow nurse stopped me in the hallway and asked me what I thought about the whole lawsuit business. When I asked "what lawsuit business" she gasped and said "follow me". I followed her into the locker room where she proceeded to pull a subpoena out of her bag. At the top of the document, listed under defendants.....there was my name. I immediately felt sick to my stomach. I hadn't been served yet so she suggested I go home and buy insurance before it's too late. I got the insurance and it helped with a little piece of mind. I called the company attorney defending us and was told I was on the defendants list because I made 1 entry into the nurses log since I floated to that unit for the one day. It has been 3 months since I saw the subpoena and I have yet to be served. The other nurse that originally told me about this found me the other day to see if I had been served yet. When I told her no, she said she had heard the family amended the lawsuit to include just the doctor. I would have NEVER expected to see my name on a subpoena for malpractice because I really try to cover all my bases when at work. I love having the piece of mind that this insurance gives. Besides I found out the companies we work for are always being sued for malpractice. It's just kept very hush hush. To me it is very much worth the $99 a year I pay. Don't work without it.
    Last edit by RkfdNurse1 on Oct 9, '09 : Reason: meant to use advanced
    talaxandra, surviveslu, Elvish, and 1 other like this.
  9. Visit  wvgi profile page
    3
    I have had malpractice insurance since a student over 30 years ago. We were required to have it before we could step foot on the hospital floor for clinical rotations. I have never let it slip. I have had it with the same carrier all these years. I pay about $90 a year for mine.

    I agree you can be sued just like the MD and the hopsital/facility may cover you at the time but can also come back and sue you to get the money back. Better to be safe thatn sorry.
    lamazeteacher, RkfdNurse1, and sirI like this.
  10. Visit  elkpark profile page
    8
    Also, again, it's not just about being sued. For nurses, the risk that you will ever be sued for malpractice is quite slim. However, most insurance policies for nurses also cover you (pay for legal representation) if you're called as a witness in a lawsuit against someone else or have to appear before the BON to defend your license. Either of those situations is more likely to happen, over the course of your career, than being sued; in either case, you'd certainly want to have an attorney; and, in either case, paying for an attorney out of pocket would likely cost you quite a bit more than the sum of your insurance premiums over your career.
  11. Visit  Kittyfeet profile page
    2
    I really want to get insurance.. we purchased it through the school as students and I feel like if we had to do it then, there was probably good reason and we should still do it. However I heard someone say something like "if you have nothing to go after the lawyers won't try to go after you because it's not worth it to them, but if you have insurance they will know and they will go after it". Any thoughts on that? Regardless of that though, I think I would feel better with it, I already checked out a quote on NPO and it looked pretty good.
    deidreparkinson and sirI like this.
  12. Visit  sirI profile page
    3
    Quote from Kittyfeet
    I really want to get insurance.. we purchased it through the school as students and I feel like if we had to do it then, there was probably good reason and we should still do it. However I heard someone say something like "if you have nothing to go after the lawyers won't try to go after you because it's not worth it to them, but if you have insurance they will know and they will go after it". Any thoughts on that? Regardless of that though, I think I would feel better with it, I already checked out a quote on NPO and it looked pretty good.
    Your question has been addressed in this blog. Please read through this blog and you will see what we've said about this very thing.
  13. Visit  DJ71 profile page
    1
    Be cautious about where you get your malpractice insurance. I have had NSO since 1998 and in past year have had very frustrating experiences with them. I'm an independent contractor, legal nurse consultant, and company I was contracting with required changes in my coverage to include them before I could do any work for them. It took several months and numerous emails, faxes, and mailings to finally get it taken care of. Later I took an online CE course they provided with promise of 10% credit on policy cost. Again, I have sent numerous emails, faxes and mailings requesting this credit and recently made partial payment of my premium including complete rendition of the events. Today I got a letter from them asking for the remainder of the premium without any referral to my letter and reason for partial payment. I am currently looking for a different company and will change my policy ASAP. I'm sure I will never get a refund on what I've paid but I am very concerned about what will happen if I ever have a malpractice claim.
    deidreparkinson likes this.


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