Should I Carry Malpractice (Liability) Insurance? - page 9

by sirI 202,276 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
    Quote from Angie123
    After reading this post I right away logged on to nso.com and bought malpractice insurance. I never really knew how important it is to have your own insurance, I thought everything was okay as long as your employer covered you. I was wondering if anyone knew if the nso insurance covers multiple employers because when I applied it only had a slot to eneter the name of one employer?
    While I agree with your decision, that some insurance is better than no malpractise insurance, I hope you read the contract when you receive it, and see what the cap of expenditures is, totally in the lifetime of the coverage.
    Also, get their guidelines for what cases involving you, they'll "take".

    I read a post regarding a nurse whose insurance, which I thought was nso, wouldn't apply their legal services to the type of case involved!
  2. 1
    Quote from lamazeteacher
    While I agree with your decision, that some insurance is better than no malpractise insurance, I hope you read the contract when you receive it, and see what the cap of expenditures is, totally in the lifetime of the coverage.
    Also, get their guidelines for what cases involving you, they'll "take".

    I read a post regarding a nurse whose insurance, which I thought was nso, wouldn't apply their legal services to the type of case involved!
    I'm not certain, but think that post to which you refer regarded criminal charges and no amount of malpractice insurance covers that.
    lamazeteacher likes this.
  3. 0
    Quote from sirI
    I'm not certain, but think that post to which you refer regarded criminal charges and no amount of malpractice insurance covers that.
    That's possible, and I'm still having a lapse of memory as to the specific case, or what thread it was on. I do remember that it was about a case wherein she was accused of some wrongdoing, but just can't get a "handle" on what other elements were involved. It sure made me think about what was covered and what wasn't, though!
  4. 0
    I seriously doubt any Carrier would be able to define each and every scenario of possibilities for coverage, but it is a very wise decision to check out the "fine print" and/or seriously go over the coverage for any policy. I agree.
  5. 0
    I do have malpractice insurance myself. One of the thoughts I have heard on the subject is, if you have the insurance you will be sued. If you don't have the insurance the chances are less likely. They go after who ever has the deepest pockets.
  6. 0
    Quote from wacberry
    One of the thoughts I have heard on the subject is, if you have the insurance you will be sued. If you don't have the insurance the chances are less likely. They go after who ever has the deepest pockets.


    No one knows if you have liability coverage when they choose to file a suit.

    This information is discovered later.

    Whether or not you have additional insurance has no bearing if you will be sued.
  7. 2
    Thanks to everyone for reassuring me to keep my insurance through NSO. I have had it for many years and was thinking about letting it lapse this year do to an inservice we had a few months ago. Long story short the lawyer (a friend of one of the dr's I work for!!) said if as a nurse you have liability insurance you are more likely to be named in a suit, you fall under your employer etc. So I received the NSO bill in the mail last week ($233 in TX).
    I was torn in what I should do. I discussed it with my husband and he intially said just pay it then later he said I wish we could really see if you need it. So here I am coming to the ones who really know and you all have given me the answer!!!!
    Thanks a bunch!!!
    talaxandra and sirI like this.
  8. 3
    I have student coverage through NSO. For $30 per year, I'd be nuts NOT to have it! After hearing how cheap it was quite a few of my fellow students purchased it as well. I think they owe me a commission. LOL

    One of our instructors is also a practicing attorney. Among other things, she represents nurses in malpractice suits. She told us (in a lecture on nursing legal issues) that if the hospital's attorneys think it will benefit the hospital, they will "throw the nurse under the bus". The instructor strongly recommended we have our own malpractice insurance.
    VegetasGRL03RN, lamazeteacher, and sirI like this.
  9. 0
    Thanks, AtomicWoman.

    Your Instructor was very wise.
  10. 0
    "Speaking of changes, I read in yesterday's NY Times, that the Supreme Court, with its "conservative" majority, just made it more difficult to prosecute an employer for age discrimination by removing one of the requirements"

    Hate to tell you this but the Supreme Court does not have a Conservative Majority---I'm afraid you'll have to blame the Libs for this one.


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