Anyone Ever Actually Used Their Malpractice Insurance?

Nurses General Nursing

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NSO, Proliability. Great prices obviously because they're rarely (if ever) used. Curious if anyone on here has any actual experience where they've had to use the ? What was the experience like?

I paid one year. Before my coverage was over, I called several times and left messages. Never got a person on the phone when I called and never got a call back. I emailed a few emails I could find on them and never received a response.

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Legal department at our hospital advised against getting it at our orientation.

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Probably safe to say it isn’t necessary for the vast majority of nurses. ?

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10 hours ago, ICUman said:

Probably safe to say it isn’t necessary for the vast majority of nurses. ?

Bad advice!^^^^ In a court of law, if it came down to paying out a multi-million dollar lawsuit or implicating a staff nurse on even a small technicality or deviation from established policy, it would be an easy decision for the legal department. Protect your interests and livelihood because while the probability of ever needing is slim, we all have far too much at stake.

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Specializes in school nurse.
12 hours ago, 3isenough said:

Legal department at our hospital advised against getting it at our orientation.

Interesting. Did they give a reason?

13 hours ago, Flum Mox said:

I paid one year. Before my coverage was over, I called several times and left messages. Never got a person on the phone when I called and never got a call back. I emailed a few emails I could find on them and never received a response.

If you're not comfortable saying which one it was, can you give a hint? (So people can avoid giving them business...)

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I have carried NSO for 30 years (since prior to graduation from nursing school). I ended a relationship with a man who then made an (unfounded) complaint against my nursing license. Since the BON "investigates" every complaint, my malpractice insurance paid for my attorney. Remember that as an RN, you are "licensed 24 hrs/day" and anyone can file a complaint for any reason. My malpractice insurance was/is the best career investment...best money ever spent!

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1 hour ago, BlondieRN19 said:

I have carried NSO malpractice insurance for 30 years (since prior to graduation from nursing school). I ended a relationship with a man who then made an (unfounded) complaint against my nursing license. Since the BON "investigates" every complaint, my malpractice insurance paid for my attorney. Remember that as an RN, you are "licensed 24 hrs/day" and anyone can file a complaint for any reason. My malpractice insurance was/is the best career investment...best money ever spent!

Agreed! is cheap too, like $.50/day! Even defending a bogus/unfounded claim could costs thousand in legal fees and lost work.

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Basically legal told us that the hospital carries for the nurses, way more coverage then was a nurse would get on their own. If you have your own policy, the hospital would not use their malpractice insurance and would make you use yours which could make you on the hook for a lot more money.

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Specializes in school nurse.
4 hours ago, 3isenough said:

Basically legal told us that the hospital carries malpractice insurance for the nurses, way more coverage then was a nurse would get on their own. If you have your own policy, the hospital would not use their malpractice insurance and would make you use yours which could make you on the hook for a lot more money.

Maybe it's not necessarily either/or. You can have two health insurances, primary/secondary, I wouldn't be surprised if two policies were better than one...

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5 hours ago, 3isenough said:

Basically legal told us that the hospital carries malpractice insurance for the nurses, way more coverage then was a nurse would get on their own. If you have your own policy, the hospital would not use their malpractice insurance and would make you use yours which could make you on the hook for a lot more money.

The assertion that the hospital won't cover the nurse who has their own insurance is not correct. The hospital will act in its own interests. Out of curiosity, did the hospital state unequivocally, that the hospital will not drop representation of the nurse at all during the proceedings? Just wondering. What is their response when the nurse asks directly? Just wondering.

31 minutes ago, Jedrnurse said:

Maybe it's not necessarily either/or. You can have two health insurances, primary/secondary, I wouldn't be surprised if two malpractice insurance policies were better than one...

This would be a question for the industry.

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Specializes in Critical Care, Med-Surg, Psych, Geri, LTC, Tele,.
On 1/10/2020 at 8:27 PM, MunoRN said:

It accounts for about $600 per year of my union dues, and is highly unlikely to ever serve any purpose, so no, I would disagree that flushing a few thousand down the toilet over the course of more than a decade is "better to have it", I'd rather have the few thousand dollars back and take my chances.

My NSO annual policy costs around 120/yr. my union dues are a separate cost I pay to CNA/NNU.

Whom do you pay 600 to for ?

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On 1/10/2020 at 8:17 PM, caliotter3 said:

Better to have it and not need it, than to need it and not have it.

So would buying it when a lawsuit was just brought against you be considered a "pre existing condition"?

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