Re: Does anyone use Marsh for liability coverage?
I have had their policy for years, but never had to use it. (Knock on wood.)
Perhaps the reason the "student" policy is so cheap is that it is designed for beginner-level students who are always under the supervision of someone else who can be sued. It may not be desgned for graduate students who may not be as closely supervised during their practicums. That would be consistent with what heartnurse2be wrote.
Perhaps you should consider going in at a "higher level" as you will not be functioning as a beginner-level nursing student. You might want to call them about that.
Nursing News