Should I Carry Malpractice (Liability) Insurance? - page 2

by sirI 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. 2
    Smart, donster.

    You will receive the same student rates for your 1st year after graduation, too, with NSO.
    donsterRN and SuesquatchRN like this.
  2. 2
    got my nso insurance when i was a student. in our litigious society, the small cost of having nursing malpractice insurance makes it almost a no-brainer.
    SuesquatchRN and sirI like this.
  3. 0
    You are absolutely correct, emtb2rn!!
  4. 1
    Thanks Siri have just done it and my rate for AZ was $99
    sirI likes this.
  5. 1
    Very good, madwife2002. I'm happy to see you did this.
    madwife2002 likes this.
  6. 3
    I sometimes hear people say, "I've got nothing for them to take so I don't need insurance."

    My response is, "Ah, but you do have something for them to go after... you have your future earnings as a nurse once you graduate. Unless you want to live underground, they can and will garnish your wages to satisfy the judgment."

    The lawyers from the hospital's insurer are out to limit THEIR liability and if they think they can do so by tossing a nurse to the lions, that's what's going to happen. Me, I want my own insurer with lawyers whose duty is to defend me. $100-200 per year is cheap insurance, indeed.
    SuesquatchRN, sirI, and Keysnurse2008 like this.
  7. 1
    I just finished my first year of NS and it was recommended that we purchase it prior to our first clinical last fall. I got it through NSO for $29. I was told that you can be sued down the line for something that occurs while you are a student, and if you didn't have coverage for that time, whatever insurance you later purchase can't help you.
    sirI likes this.
  8. 1
    Siri,
    Is there any particular areas of practice you would specifically recommend attain malpractice insurance? Ones that you feel should definitely be covered outside their employers carrier?
    sirI likes this.
  9. 2
    Quote from tnnurse
    Siri,
    Is there any particular areas of practice you would specifically recommend attain malpractice insurance? Ones that you feel should definitely be covered outside their employers carrier?
    Hello, tnnurse

    All areas are vulnerable. Patients and their attorneys are not selective with their lawsuits. I see a lot of LTC, ED, NICU, and OB cases. A few Med-Surg, OR, and MICU cases.

    Check out this blog entry Litigious Areas of Nursing and the Nurse's Liability for some additional information.
    chexycat and SuesquatchRN like this.
  10. 1
    Can you give a link or something of where to find the insurance coverage that you got?
    sirI likes this.


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