Nursing professional liability insurance

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    Could someone please help with some information about nursing professional liability insurance. I'm a new nursing graduate who is waiting for a license to be issued any day and not working yet, but will start practicing as soon as a license is issued. How soon should I get nursing professional liability insurance? And what kind of insurance coverage is best for a new graduate? Please help.
    Last edit by tinta06 on Sep 28, '06
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  4. 4 Comments so far...

  5. 0
    hey! i am a recent graduate and passed my boards in August (i'm an LPN). Anyways, all thorugh school this one teacher ALWAYS stressed the importance of your OWN insurance that you should always carry.

    I'm currently in the process of getting some right now. My teacher recommended NSO & i assume they must be pretty good (she's 65 & has been a nurse all her life). When & if you file with them, they give you a discount your first year for being a new grad (i think it's around $40 for a year), then after that it's about $75/year, which is still good considering what could happen if you didnt have it. Most facilities that you work for will have their own insurance that will cover you, but i would rather be safe then sorry & carry mine own too, esp. since it's so cheap! Just go to google & type in NSO & it should pop up. Good luck!:wink2:
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    Quote from leeae85
    hey! i am a recent graduate and passed my boards in August (i'm an LPN). Anyways, all thorugh school this one teacher ALWAYS stressed the importance of your OWN insurance that you should always carry.

    I'm currently in the process of getting some right now. My teacher recommended NSO & i assume they must be pretty good (she's 65 & has been a nurse all her life). When & if you file with them, they give you a discount your first year for being a new grad (i think it's around $40 for a year), then after that it's about $75/year, which is still good considering what could happen if you didnt have it. Most facilities that you work for will have their own insurance that will cover you, but i would rather be safe then sorry & carry mine own too, esp. since it's so cheap! Just go to google & type in NSO & it should pop up. Good luck!:wink2:
    Thank you Leeae85. I'm going to checkout this site as soon as I'm done on this forum. About facilities liability insurance, I was told by my school that they only cover specifics related to their organization not your professional liability. One of the hospitals that had offered me a job comfirmed this when I asked them. Did you try to find out more about how much coverage is involved in these facility insurances? Once more thanks for the information.
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    I graduated from a school in Chicago 39 years ago and have used NSO as long as I can remember. I've never needed it, but I won't drop it!
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    Here is the scoop on liability insurance. If you feel you should have it by all means get it, just dont ever admit to it or tell anyone you have it. Unless you are working for a facility as an independant contract nurse, or possibly travel nursing an employer has no business requiring it of you. Best policy is dont offer that information to anyone. What they dont know you have they cant sue you for.


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