Survey: Do you carry medical malpractice insurance?

Nurses General Nursing

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Specializes in CCU, Geriatrics, Critical Care, Tele.

Here are the results of last months survey question

Do you carry medical ? :

surveyresults01-02.gif

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

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Specializes in CCU, Geriatrics, Critical Care, Tele.

Don,

Maybe I should have worded it Professional Legal Liablity Insurance :)

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Specializes in pediatrics, geriatrics, med-surg, ccu,.

I for one would not practice nursing without carrying . 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.

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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. :eek:

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Specializes in ORTHOPAEDICS-CERTIFIED SINCE 89.

Yes, always have, always will.

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:o Nice try Brian. I believe all professionals should carry , 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!! :eek: Aside from his paternalistic assumptions, what do you think and can you advise nurses who are insured or looking into liability insurance?
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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;)

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Specializes in Pediatric Rehabilitation.

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??

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I carry . It gives me peace of mind. Our career is filled with so many risks. I hope that I never have to use it.

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Specializes in ER, ICU, L&D, OR.

I dont carrry 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

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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 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.

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