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Malpractice Insurance



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Oct 07, 2008 10:49 AM

Malpractice Insurance


Hi all!

I just found out today I got hired It'll be my 1st LVN job. I need advice on what to look for on malpractice insurance. Or is it all the same?

Thank you!

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13 Comments
No. 1
from Jules A
Old Oct 07, 2008, 11:06 AM

Default Re: Malpractice Insurance
Many congratulations!! What area will you be working in? Check out this company and if you ask to have this moved to the general forum I bet you will get more responses. http://www.nso.com/
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No. 2
from newlvn08
Old Oct 07, 2008, 11:19 AM

Default Re: Malpractice Insurance
Originally Posted by Jules A View Post
What area will you be working in?
I'll be working at an Developmental Day Program. Similar to an Adult Day Program/Center, but for the developmentally disabled. There's an RN on staff, but I won't be working when she is. I really think malpractice insurance is necessary-ESPECIALLY for this job.
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No. 3
from Jules A
Old Oct 07, 2008, 11:32 AM

Default Re: Malpractice Insurance
Originally Posted by newlvn08 View Post
I'll be working at an Developmental Day Program. Similar to an Adult Day Program/Center, but for the developmentally disabled. There's an RN on staff, but I won't be working when she is. I really think malpractice insurance is necessary-ESPECIALLY for this job.
That sounds awesome! I have a friend that does Adult Day Care with mixed clients, some geri some dd and loves it. Again congratulations. I remember when I first realized I actually was a nurse, this will be a very exciting time for you.
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No. 4
from TheCommuter
Old Oct 07, 2008, 05:33 PM

Default Re: Malpractice Insurance
Professional liability insurance carriers:

1. Nurses Service Organization: www.NSO.com

2. Marsh Affinity: www.Proliability.com
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No. 5
from skwlpn
Old Oct 08, 2008, 12:59 AM

Default Re: Malpractice Insurance
We have a malpractice policy available under our homeowners insurance. It is specifically for nurses and is very inexpensive. If you own your home, check with your agent.
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No. 6
from newlvn08
Old Oct 08, 2008, 02:05 AM

Default Re: Malpractice Insurance
Originally Posted by TheCommuter View Post
Professional liability insurance carriers:

1. Nurses Service Organization: www.NSO.com

2. Marsh Affinity: www.Proliability.com
i feel like such a newbie for asking this, but when i went on NSO, it told me the total due was $48 at the most. On PL, it told me my total was $114 at the most. is this per month or for the whole year??

I hear that state farm has their own liability? does anyone have coverage from them? am i better off going there, or places like NSO and PL?

Thank you!
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No. 7
from newlvn08
Old Oct 08, 2008, 02:06 AM

Default Re: Malpractice Insurance
Originally Posted by skwlpn View Post
We have a malpractice policy available under our homeowners insurance. It is specifically for nurses and is very inexpensive. If you own your home, check with your agent.
unfortunately, am not in the position to own a home-yet. thank you though! i'll keep that in mind for the future. i appreciate it!
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No. 8
from TheCommuter
Old Oct 08, 2008, 02:33 AM

Default Re: Malpractice Insurance
Originally Posted by newlvn08 View Post
i feel like such a newbie for asking this, but when i went on NSO, it told me the total due was $48 at the most. On PL, it told me my total was $114 at the most. is this per month or for the whole year??
These are yearly premiums. NSO gives new grads a 50% discount during their first year of nursing practice.
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No. 9
from skwlpn
Old Oct 09, 2008, 03:43 PM

Default Re: Malpractice Insurance
Yes, State Farm has a policy available. They are the ones I was talking about with the homeowners policy. I don't know if they offer it to people as an independent policy. Check it out anyway. It is worth a try. For me, it was half the cost of the full price policy that you got...and I bought it when I was just out of nursing school.
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