Should I Carry Malpractice (Liability) Insurance?

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.

Thanks Siri have just done it and my rate for AZ was $99

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.

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,
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?

Can you give a link or something of where to find the insurance coverage that you got?