Should I Carry Malpractice (Liability) Insurance?

Has anyone else had problems with NSO insurance? I will be a first time buyer.

If a nurse is following hospital policy, and an event occurs, the hospital liability insurance would cover her and any costs associated with a lawsuit.
The coverage for the hospital, a much more lucrative client will be the priority of their insurance company. When "push comes to shove", especially in these economic times, nurses without their own policy could find themselves the scapegoat.......
If a nurse carries personal liability insurance in addition to the hospital liability insurance, the plaintiff can and will seek out the nurse individually, and often the company from which a nurse is insured is in a different state from where he/she is currently practicing, thus complicating any involvment from the private attorneys.
Reading the policy regarding legal representation is an essential part of the private insurance policy (yet you only get the policy to read, after paying for the insurance, unless you can read the policy of a colleague who has that insurance), to see if attorneys from any state in which the trouble happened, are covered.

The plaintiff wants the deep pockets, and if the nurse is carrying personal liability insurance, I believe they are more likely to be sought out personally. Not necessariloy, most lawsuits sweep everyone up, and if the nurse has no private insurance and the hospital's insurance company's legal representation isn't helping him/her, you may find yourself having to pay for your own legal representation, which could require a huge "up front" fee you don't have, called a "retainer fee".

If you talk to an attorney that is in the business to make money off of a nurse's anguish they don't think or talk anguish, unless they're pleading in court for a victim of malpractise - most attorneys don't care about nurses' anguish at all....., then they will strongly urge you to carry personal liability insurance. If you talk with corporate attorneys, they do not believe this is additional protection for the nurse (unless they were practicing outside of the scope of practice, or hospital policy during the event).Sometimes that happens in a crisis, without being realized. Perfection is nearly impossible to achieve, even in the best of circumstances. This would definitely have to be a personal decision, and evaluation of one's own practice patterns.