At the time of application we were informed that we needed to purchase malpractice insurance and provide a certificate of insurance prior to start of our clinical experience. So we have had 4-6 months to save and purchase insurance. Of course many waited until the last minute. The governing body of the school has decided to only accept NSO as the malpractice insurance provider. Some students are upset because NSO requires you to be insured at your current level of certification and will issue a rider for free to cover you as a nursing student. Many classmates are nursing assistants & home health aides, and are upset that they are being "forced" to get malpractice insurance for their current work. (I've heard MANY times that well the job covers me for malpractice, why should I have to get my own.)
Even with administration & instructors tolling the virtues of personal malpractice/liability insurance, people are still upset about getting personal coverage. I even had personal liability/malpractice insurance when I worked as a volunteer EMT. (Came in handy though I was never named in a suit I was called more than once for a deposition about the call sheet & the carrier helped protect my interest. (driver 1 suing driver 2 insisting that the call sheet would prove that it was all driver 2's fault kind of thing.))
Especially in a litigious society, why would anyone be so adverse to protecting their own interests?
(Personally I put a small amount of money aside until I had enough to pay for the policy, starting when we were informed that it was a requirement and which company was acceptable. They happily gave me a quite so I knew how much it would cost.)