Should I Carry Malpractice (Liability) Insurance? - page 10

by sirI 202,361 Views | 202 Comments Admin

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 not. i am.......... are you??... Read More


  1. 0
    First off, many lawyers will tell you NO. The insurance just makes you another pocket for the plaintiff to dig into.
    Last edit by sirI on Sep 14, '09
  2. 1
    Thank you, the employer definitely covers their butt first. I never read the information quite this way. Thank you
    sirI likes this.
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    Im an LPN for 5 years and have had it since day one. If you get it you wont need it!
    sirI likes this.
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    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.
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    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...
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    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.
  7. 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.
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    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.
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    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.
  10. 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.


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