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new nurse here full of questions today. the hospital i will be working for has Liability Insurance that they carry. i understand this will protect me if something happens while practicing there. what i am wondering is if i need to take out a personal policy to protect my practice?
thanks so much for your help.
Has anyone actually had to use the insurance they bought from NSO?
Did they live up to their word about what they cover?
How hard is it to convince them that you really need an attorney when something when wrong? I see in the policy that they get to decide if you need one --- "when we find it necessary".
NSO sounds like they are a good company, but these days I just don't trust the "insurance" companies anymore. Whenever you file a claim, they find some loop pole to get out of paying it.
I still feel I need to have it. I just don't know if I should use NSO, or get additional coverage from my homeowners insurance.
Has anyone actually had to use the insurance they bought from NSO?Did they live up to their word about what they cover?
How hard is it to convince them that you really need an attorney when something when wrong? I see in the policy that they get to decide if you need one --- "when we find it necessary".
NSO sounds like they are a good company, but these days I just don't trust the "insurance" companies anymore. Whenever you file a claim, they find some loop pole to get out of paying it.
I still feel I need to have it. I just don't know if I should use NSO, or get additional coverage from my homeowners insurance.
My personal opinion, or suggestion, rather, as I've previously stated, is to do as much research as you can...
"Familiarize yourself with the terms claims made, occurrence, tail, etc. [if] you are a new nurse, you wouldn't need a retro policy as an RN and I'm honestly not sure if you can get a trailing tail as a student nurse, but it never hurts to ask.
Finally, I would EMPHATICALLY IMPLORE you [or your lawyer] to read every line in your policy ESPECIALLY the small print. As a rule of thumb, the regular sized font is stuff they are giving you; the small sized font is stuff they are taking away. Specifically, look for clauses about consent to settle, assuming obligation, etc."
I am currently employed as an independent contract RN in Virginia. I need to pursue nurses Liability Insurance. Any suggestions on where might be the best place to get this type of coverage? I thought about NSO? Thoughts? Comments? I'd appreciate your ideas.
If you have homeowners insurance, check with your carrier there. They often offer professional Liability Insurance, and it's often less expensive than NSO. (Liability insurance doesn't cost much because nurses almost never get sued, but it may save you a few bucks anyway).
Marsh Affinity: http://www.Proliability.com
Nurses Service Organization: http://www.NSO.com
another tip i heard from a seasoned nurse: dont tell anyone that you have Liability Insurance especially management. if something happens they will sue you first becuase they know your insurance policy will pay up. management is in it for the money.
truern
2,016 Posts
Dang, I wish you'd posted just a tad bit earlier. I read this thread and immediately went to nso.com and ordered Liability Insurance.