Can employer ask for my liability insurance info?

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Hello fellow nurses! I have had my employer ask me recently for my information. I work for a relatively small home care agency. I am responsible for training caregivers and delegating nursing tasks to them. I have recently purchased my own liability insurance policy but I'm not sure that I should be sharing that information with my employer. Is it really their right to know? It seems like it could be used against me somehow. I haven't been able to find any answers so thought I'd try all nurses :) thanks so much for any help!!

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Did they say why they want it? I don't see how it's any of their business unless they are paying for it.

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Specializes in ICU.

How could it be used against you?

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Specializes in Peri-op/Sub-Acute ANP.

Unless having your own insurance was part of your pre-employment contract with them, it is none of their business. However, the fact that they don't have nursing for you (regardless of their size) might be a clue to you that this is not the best of positions for you to be in.

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Specializes in Critical Care, ED, Cath lab, CTPAC,Trauma.

Hummmmm....I have carried it for 35 years I have NEVER been asked.

If proof is not a requirement for the job....it is none of their business. I would call your provider and ask them...it's what you are paying them for....they will give you the best advice.

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If she has it, she wouldn't work as a scape goat....so having it may lead to her being fired.

How could it be used against you?
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Specializes in Complex pedi to LTC/SA & now a manager.

I was asked when the small agency wanted to hire me as a 1099 independent contractor. It's pretty common. I declined the job when I checked with my carrier and found out that my premium would go from ~$100 to nearly $700 if I worked as an independent contractor & not as an employee. It's standard in most industries to ask for a copy of liability policy ( often with contract company named as additional insured).

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Specializes in Complex pedi to LTC/SA & now a manager.

Check with your carrier. Mine explained it to me and thus I declined the job.

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Specializes in Critical Care, ED, Cath lab, CTPAC,Trauma.
How could it be used against you?
Then they don't carry it on you especially in home care the acency can claim you a an independent contractor....which leads to all sorts of complications and filing your own income tax.....
JustBeachyNurse ‼ I was asked when the small agency wanted to hire me as a 1099 independent contractor. It's pretty common. I declined the job when I checked with my carrier and found out that my premium would go from ~$100 to nearly $700 if I worked as an independent contractor & not as an employee. It's standard in most industries to ask for a copy of liability policy ( often with contract company named as additional insured).

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Did they say why they want it? I don't see how it's any of their business unless they are paying for it.

They asked for a copy of my declaration page for my file. It was not a requirement of the job. I haven't had a policy up till now but lately just thought it prudent to get one for peace if mind. I just don't feel comfortable giving all the details to them, just doesn't seem right to me, but maybe it is their right to ask. I just am clueless on the topic...

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Specializes in Complex pedi to LTC/SA & now a manager.

They can ask all they want. You don't have to necessarily give it. You can always call your insurance carrier for advice as that is what they are there for

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Specializes in Critical Care, ED, Cath lab, CTPAC,Trauma.
They asked for a copy of my declaration page for my file. It was not a requirement of the job. I haven't had a policy up till now but lately just thought it prudent to get one for peace if mind. I just don't feel comfortable giving all the details to them, just doesn't seem right to me, but maybe it is their right to ask. I just am clueless on the topic...
That is precisely why we suggested that you call your carrier and ask them for advice.

Personally.... unless it's required....my policy is my business. They have no business having the information that they could release to anyone. This is SO not a good idea.

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