Advice about liability insurance?

[xiaobear007]

I recently started a prn job at a ltc facility. I was told by DON that we will get covered by the company. However, it is another story when I was chatting with a experienced nurse there with over 10 years experiences there. She recommended me purchasing my own Liability Insurance around $200 a year to "COVER MY ASS" since one of the employee there got into trouble and the company attorney did not represent her/him but the company.

Any advise? I do not plan to stay long in this facility. But even that, I think it is necessary to protect myself right? I am very new and the job is new to me too. Thanks for your advice!

[aortas]

insurance is so cheap when you think of what could happen if you ever didn't have it!! i have never worked without my own insurance (i use NSO).

[lifelearningrn, BSN, RN]

I got insurance through NSO too, it was $53 for their top tier coverage as a new grad (half off), I think it's a necessity, especially in LTC where you're overwhelmed with 2 dozen or more patients. It's physically impossible to be that many places and once, and if something goes wrong, the corporate lawyers at the facility will throw you under the bus without a moment hesitation. You need people fighting on your side. Good luck.

[amoLucia]

You have auto insurance, right? And health insurance? And homeowners' too?

All just to protect yourself JUST IN CASE!

Get the malpractice/liability insurance!