Should I Carry Malpractice (Liability) Insurance? - page 15

by sirI 198,415 Views | 199 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
    Elkpark and YaYa 21; That amount of $67. was many years ago, in CA; and hopefully I wrote about paying that in the past. I believe that "you (definitely) get what you pay for".

    When comparing rates, do what you'd do when shopping for most things, compare the value of the thing, then the price. Auto insurance is another thing that varies a lot, but you have to compare apples with apples, and oranges would be the price.
  2. 0
    "I used to have the insurance that was available for $67/year, but it really never gave me peace of mind." quote from lamazeteacher's post # 122

    Whew! Yes, it was a past amount.....
  3. 0
    Thanks everyone for educating me about medical malpractice insurance for nurses. As a new graduate nurse, I have learned so much from what you all had to say.
  4. 0
    How big is the concern that nurses need the insurance? Are they really sued that often or are companies trying to scare nurses into the additional expense?
  5. 1
    Oh my gosh, I forgot all about looking into this and your information is very informative. Thank you so much!
    sirI likes this.
  6. 0
    I liked this discussion .. this report is so good .
    Thanks
  7. 0
    Which company is better?? NSO or Proliabilty?
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    What if I get it in the state I'm working in now but plan on moving to another state later this year? Do I just contact the company I have insurance through? Or am I covered no matter what state I'm in?
  9. 0
    Quote from yooper86
    What if I get it in the state I'm working in now but plan on moving to another state later this year? Do I just contact the company I have insurance through? Or am I covered no matter what state I'm in?
    Contact your provider promptly (I would do it well in advance) and discuss your plans with them -- since premiums are partially determined by where you are practicing, the move may change your premium. (And, if "something happened" in your new location, I'm sure the company would claim you weren't covered since you didn't notify them of the change.)
  10. 1
    Definitely, from my perspective. Over the years fortunately I only had one concern where I called the 800 number for my
    malpractice insurance with a valid question/concern. All turned out well, but it was enough to make me realize there are
    patients, families etc. out there with unrealistic expectations sometimes. Also, as the saying goes "To error is to be human" and an informed society now knows they can sue a nurse. Presently I am studying for CLNC certification which has opened my eyes wide into these possibilities because the corporation/hospital/nursing home etc. one works for does not protect/nor will they be standing next you in case of a lawsuit. Just a thought?
    auspicious_princess likes this.


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