Nurses General Nursing
Published Nov 25, 2013
mandajoy18
8 Posts
Hello fellow nurses! I have had my employer ask me recently for my Liability Insurance 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!!
xoemmylouox, ASN, RN
3,150 Posts
Did they say why they want it? I don't see how it's any of their business unless they are paying for it.
sapphire18
1,082 Posts
How could it be used against you?
TakeTwoAspirin, MSN, RN, APRN
1,018 Posts
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 Liability Insurance 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.
Esme12, ASN, BSN, RN
1 Article; 20,908 Posts
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.
morte, LPN, LVN
7,015 Posts
If she has it, she wouldn't work as a scape goat....so having it may lead to her being fired.
JustBeachyNurse, LPN
13,952 Posts
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).
Check with your carrier. Mine explained it to me and thus I declined the job.
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).
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...
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
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.