Survey: Do you carry medical malpractice insurance?

  1. Here are the results of last months survey question
    Do you carry medical malpractice insurance? :



    Please feel free to read and post any comments that you have right here in this discussion thread by clicking the "Post Reply" button.

    Thanks
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  2. 24 Comments

  3. by   donmurray
    I won't be snippy, and say that I don't practice medicine. My union membership includes a 3 million pounds indemnity insurance.
  4. by   Brian
    Don,

    Maybe I should have worded it Professional Legal Liablity Insurance
  5. by   Over-the-hill-Nurse
    I for one would not practice nursing without carrying malpractice insurance. I have worked as a nurse for 11 years and have carried it since I graduated. Twice now I was involved in a suit (thank goodness both were dropped!) It is just a extra plus to know that if the hospital I work for doesn't cover me, I at least do myself... it is money well spent.
  6. by   mustangsheba
    I do not. But then I don't have anything worth suing for. The only insurance I carry is auto, which is required by law.
  7. by   P_RN
    Yes, always have, always will.
  8. by   jmcclellanprofrn
    Nice try Brian. I believe all professionals should carry liability insurance, it draws the needed line between blue and white collar work. Not attempting to sound elitist, but it is each of our duty to protect ourselves, our practice, and our public. I have a question to anyone who can help. A doctor I work with is also an attorney. He agrues that nurses should not carry insurance do to lawsuits and those nurses being sought out for compensation. He believes that only "bad nurses" should carry insurance!! Aside from his paternalistic assumptions, what do you think and can you advise nurses who are insured or looking into liability insurance?
  9. by   KC CHICK
    I have considered insurance and have discussed it w/my nurse educator at work. He stated that it was my decision, however, stressed that "Lawyers GO FOR THE DEEPEST POCKETS".

    I may change my mind in the future.
    Anne
  10. by   nurs4kids
    I carry it just because I figure it's too cheap NOT to carry. I've heard that same argument that nurses who carry liability are more likely to be sued, etc. I figure if no one knows I carry it, then my risk is not increased. I just don't trust the hospital to "cover" me. If they don't care enough to pay nurses adequately, then why would the care about protecting ONE nurse??
  11. by   magelio
    I carry liability insurance. It gives me peace of mind. Our career is filled with so many risks. I hope that I never have to use it.
  12. by   teeituptom
    I dont carrry malpractice insurance and never will. However I do protect myself by having a legal protection plan, where i always have access to legal aide of all specialties. I have never had to apply it professionally, but have used it twice for personal reasons,one was an MVA. The other thing was a personal matter.
    I carry this just in case,though,because lets face it hospitals are going to protect you only as long as it protects themselves and then they will throw you to the wolves. I like haveing a wolf in my corner,for back up.
    HAPPY TRAILS TO YOU
    TEEITUPTOM
  13. by   RNed
    I have heard both sides of this argument. I have carried insurance in the past and I have a period when I did not have insurance.

    The argument that you can have it and not disclose it, I believe is false. If a suit occurs, I believe you have to or need to disclose this potential suit to your liability insurance provider, prior to deposition and then the "cat is out of the bag".

    Someone confirm or correct me if I am wrong. I really don't know.
  14. by   Over-the-hill-Nurse
    RNed- yes you have to disclose it. It only protects you and if a suit is dropped, there is no hidden costs attached to your insurance. So far the two that I have been involved with have not went to court--thank goodness. And both times I was not in direct contact with the patient just happened to work on those days... sigh... so even if you are not doing direct care for that particular patient you can still be involved in a suit which is unfair but those things do happen.

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Survey: Do you carry medical malpractice insurance?