Advice about liability insurance?

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I recently started a prn job at a ltc facility. I was told by DON that we will get covered by the company. However, it is another story when I was chatting with a experienced nurse there with over 10 years experiences there. She recommended me purchasing my own around $200 a year to "COVER MY ASS" since one of the employee there got into trouble and the company attorney did not represent her/him but the company.

Any advise? I do not plan to stay long in this facility. But even that, I think it is necessary to protect myself right? I am very new and the job is new to me too. Thanks for your advice!

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Specializes in Hospice + Palliative.

I'm also a new grad RN, working in a LTC/Rehab facility, and the day I was hired I purchased my own . It was $55 for a year, and gave me peace of mind that is priceless! I purchsed through NSO (Nurse Service Organization)

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I second NSO, it is very important to protect yourself.

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The other company that is commonly mentioned as specializing in professional for nurses and allied health people is Marsh. I've had coverage with Marsh for many years.

There are lots of older threads here discussing the pros and supposed cons of carrying your own coverage. LTC or anywhere else, I would never work a single day without my own coverage, and I would never trust an employer to protect my interests and my future.

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Always better to purchase insurance than to depend on the company you work for to have your back. I have NSO and it is a very reasonable price per year.

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Specializes in ER/Emergency Behavioral Health....

I'm not a nurse, but for nursing school we are required to get . I went with NSO, though there are many others out there.

I think when I graduate (God willing), I will keep my own no matter where I work.

I've heard of nurses not being backed up by their employers in lawsuits.

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oh my god, thank you for your supportive response. I feel nervous now because I have been in orientation for several days... is that too late? I have not yet been on my own. I am in school currently for MSN so I did get dirty cheap 20 bucks a year for that. But as I understand , this won't cover my job right? The school insurance only cover when I go to clinical site? Thank you so much, I really need to do some research on this and get it sooner!

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It's never "too late." Coverage you purchase now just won't cover you for any kind of event/occurrence that has already happened prior to your having the coverage.

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Specializes in Nursing Professional Development.

I have had my own insurance since graduation in 1977 -- wouldn't consider practicing without it. When push comes to shove, your employer's insurance company will look after THEIR best interests, not yours. If I ever need it, I want someone in MY corner.

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Specializes in School Nursing, Public Health Nurse.

Get your own insurance! It's so cheap. I have NSO. I paid $55 my first year as I was a new grad with my first job and when I renewed this year it was $98 with $6 million of coverage. Even if you aren't working it still covers you. It also covers Good Samaritan in addition to malpractice and liability. The policy is good for a year and I know I spend more than $100 a year on Starbucks. I can spend it to protect my behind.

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Specializes in ER/Emergency Behavioral Health....

I got a student discount I think. I paid $35 for $6million in coverage.

Not too shabby ;)

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Specializes in Gerontology, Med surg, Home Health.

It's never too late to get coverage. It's worth the peace of mind to know you're covered.

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