I am a recently licensed new grad. I plan to obtain my own professional liability insurance but I wanted to get some opinions fist. Is NSO (nurses service organization) the major provider? They come up first when I google "nurse insurance". Is this the company to go with?? It seems like a really good idea to get some insurance since I might be starting out with some private duty cases at an agency (due to lack of hospital jobs!)
A second question I have re: liability off the job... As an RN, if you witness someone in distress, in need of CPR, are you required to perform it? The reason I ask is 1) I have never performed CPR on a real person and would be terrified if I had to, and 2) someone asked this question in class (pre-licensure) saying that since we are "certified" in CPR are we required to perform it... and the teacher flipped out saying we were NOT certified, all we did was "passed a course in CPR" and that we have no idea what we are doing yet. I'm just confused about what I can and cannot do now (as a bystander) and what I should and should not do. Of course, by nature, I want to help people in emergency situations. I just don't want to compromise my license by acting or neglecting to act.
Jul 23, '09
NSO and Marsh seem to be the two companies that get mentioned most often re: professional liability coverage for nurses. Having your own insurance is always a smart idea, even when you're working in a hospital. There are a number of older threads here discussing this.
It would be smart to check your state law about responding to emergencies. In my state, I am under NO obligation to respond to any emergency situations out in public, "off the job." I believe that's the case in most states, but I know there's been some previous discussion on this board about whether healthcare providers are required to respond in some states.
Congratulations on your graduation and licensure!