Verification of malpractice insurance by the employer

  1. I am concerned about the malpractice insurance. Per my contract, it says that malpractice insurance will be covered. But how do I know that my employer has bought it? What if in the future after leaving this place, a lawsuit is occurring that I am involved in, and there is no malpractice insurance that was bought by the employer at the time I was working there? How can I make sure that I am covered. I hope I am making sense.

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  2. 13 Comments

  3. by   aprnKate
    Just ask them for proof. Just ask for a copy of the malpractice insurance with your name covered under it prior to practicing. Otherwise, don't start. Its a legitimate question to ask. If they don't provide for you then that's just being shady and they are not putting your best interest at hand.
  4. by   traumaRUs
    I'm in the process of changing jobs (I'm in IL too) and all you have to do is ask for the declarations page with your name on it - super easy
  5. by   nurselove757
    Hi aprnkate,
    I had been working at this place for about a year. I kept asking them to show me proof, but they would always say that "you are covered as stated in the contract, any more information than this is confidential and against company policy." I typed in the original post a few months ago but pasted it yesterday. I no longer work there. They had me renew the malpractice insurance a few months ago and for this process, I had to fill out a form from the malpractice insurance company called Markel. I did call them and ask if I am in their system and whether I am covered or not, but they said they could not find me in their system. I quit this place about 3 months ago. Now I am worried and am debating whether I should buy tail coverage for this place, even though per contract I had tail coverage. I have only been working as an NP for a little over a year. Oh my god, I thought patient care was hard enough as a new grad, I was not expecting to deal with these kinds of things in my first year.
  6. by   BostonFNP
    Get your own!
  7. by   TriciaJ
    Regardless of what anyone has told you, no one can furnish proof that you are/were covered. At this point, you need to do what you need to do for peace of mind. If it involves tail coverage for that facility, it might be worth the cost if you sleep better at night.
  8. by   NoProblemNP
    That is ridiculous. How can it be against company policy to show you the document with your name on it. Afterall, if my name was on any document, I'd want to see it and read it and make a copy too!
  9. by   traumaRUs
    You can ask for the declarations page - I've had to ask for it in the past. It should readily be available as this isn't super secret, we can't tell anyone info.

    You are entitled to this.
  10. by   serenitylove14
    This scares me as well, I guess Ill just be dropping $2000+ for my own malpractice insurance *crys silently*
  11. by   nurselove757
    I got a quote from Mercer. For me, malpractice ***occurence*** insurance will cost me$1300 per year starting from this point onl. It's worth it to know the difference occurence vs claims-made insurance with tail coverage added in.
  12. by   lifelearningrn
    Buy your own insurance. It's a bit over $100 year and gives you peace of mind. Whatever malpractice insurance the employer purchases, is looking after THEM, not you. They will throw you under the bus if it benefits the employer to do so.
  13. by   NoProblemNP
    Malpractice insurance for an RN is ~ $100/year
    Malpractice insurance for an NP is ~ $1300/year
    Given that RN's make more than NP's in San Francisco I am wondering if I made the right career step to go back to school *crying face*
  14. by   rockyroad#
    Get your own, don't rely on anyone.

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