Quote from lancerRN2b
I have a quick question about nursing insurance. I know that RNs are responsible for their actions and if something goes wrong, a lawsuit could be filed. Therefore they have "insurance" to pay for such situations. Well this is what I heard from someone whose parent is an RN. I was also told that you shouldn't get the insurance because it would put a target on your back for lawsuits. This really worries me about the profession. I know there will always be those people looking for any lawsuit they can get their hands on, but is this really that bad? As an RN, do you have to walk on your toes to make sure not a single mistake is made to avoid a lawsuit? And the insurance, would you suggest it? Any info would be great. Thanks!
When my mother worked for the hospital, the hosptial carried this on the RN's and other hospital staff because they were direct-paid, W-2 employees. Doctors, obviously, carried their own b/c they are paid on contract, and not directly employeed by the hospital.
I would wager this would vary greatly between hospitals, and something to ask during an interview.
I 100% disagree that NOT carrying insurance is best because it makes you a target. First of all, how would someone know if you were insured or not and with what company? Second, if you get sued, most states have laws that if you are a professional, and carry insurance for that profession, it bars them legally from suing you personally.
Otherwise, if you get sued, you are looking at losing your home and getting your wages garnished for life.
Not worth it..100% not worth it.