ACNP malpractice insurance?

[CaseAlum]

I've read other posts regarding primary care NPs carrying their own malpractice insurance. However, if I'm working in an ICU at a large teaching hospital, would it be wise to carry my own insurance? Of course, the hospital says that I am "covered" by their policy and that few of their NPs carry their own policy. I am still leaning toward spending the extra $ for my own policy. Any thoughts?

[sirI, MSN, APRN, NP]

Here is a recent thread about individual Liability Insurance.

urgent Malpractice question!

To answer your question, yes..........in my opinion, it is always wise to carry your own individual policy.

[traumaRUs, MSN, APRN]

I'm in agreement with Siri - I always carry my own malpractice insurance.

[Corey Narry, MSN, RN, NP]

I am a hospital-employed NP who work in an ICU setting. All of the intensivists and surgeons I've talked to at work depend solely on the hospital-sponsored malpractice insurance policy. I think many of the physicians do this because their premiums tend to be very expensive when purchased individually. NP malpractice premiums are still affordable compared to other health care providers. With that said, some but not all of my NP colleagues carry their own policy in addition to the one we have from the hospital. I think it's a matter of personal choice. While the hospital's policy does include tail coverage, I personally feel that having a separate policy of my own is a small price to pay for the piece of mind it offers. Prior to signing up with an insurance provider, shop around and you'll find that some companies have a better price than others. Also remember that membership in professional organizations such as AACN, ANA, or AANP can get you a discount with specific insurance carriers.

[JDCitizen]

I'm in agreement with Siri - I always carry my own malpractice insurance.

I agree!

Your insurance is your protection. Their insurance is "their" protection....