Anyone Ever Actually Used Their Malpractice Insurance?

Nurses General Nursing

Published

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?

Specializes in Perioperative / RN Circulator.

It's not the liability coverage, per se; but policies often come with license defense coverage. I think I've read of several people on this site using that.

1 Votes
Specializes in L&D, OBED, NICU, Lactation.
20 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.

Bullsh&*%. Ask them for coverage figures. My hospital covers MAX $250k for an individual payout, my own insurance covers $1 million. The $111 a year is worth it to me. The high coverage they talk about is for institutional protection, not the individual employees.

2 Votes
Specializes in School Nurse, past Med Surge.
13 hours ago, juniper222 said:

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

I would think so...but don't quote me on that. When you sign up for it (at least the one I have used) it specifically ask if you have had, or have reason to believe you might have, allegations brought against you.

1 Votes
+ Add a Comment