Do I need Insurance?

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I'm a new RN, and I'll be starting work next Monday at a Family Practice (1st job). Do you think I would need ? If so, what is a good company to get it from?

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Specializes in Trauma Surgical ICU.

I bought mine for 50 bucks a year at NSO.. I would say for something so cheap, I would get it. You never know now a days. I love the fact that IF I need it, it is there.

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Specializes in ER.

only if you plan on never being sued. ;)

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Specializes in ER.

it's about $100/yr for NSO, actually. RN in hospital setting.

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it's about $100/yr for NSO, actually. RN in hospital setting.

Does it depend on what state you're in? Because I just applied and did the quote, and it's $50.25 per year for the maximum coverage in SC for an RN full-time.

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Specializes in Trauma Surgical ICU.

Mass, I am a RN in a hospital and I pay 50.00 a year.. It depends on your state mostly...

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Specializes in Case mgmt., rehab, (CRRN), LTC & psych.
Does it depend on what state you're in? Because I just applied and did the quote, and it's $50.25 per year for the maximum coverage in SC for an RN full-time.
New grads get a discount of 50 percent off the prevailing rate for the state, which is possibly the reason why you were quoted $50 yearly.

RNs in the vast majority of states pay around $100 yearly, so a new nurse who receives the new grad discount is only going to pay about $50 for the first year's premium.

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Specializes in ER.

I've always paid around 90-100 - in more than a few states from the south to New England. Maybe the rate is based on your specialty...?

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Specializes in ER.
New grads get a discount of 50 percent off the prevailing rate for the state, which is possibly the reason why you were quoted $50 yearly.

RNs in the vast majority of states pay around $100 yearly, so a new nurse who receives the new grad discount is only going to pay about $50 for the first year's premium.

they need to soak up that student rate while they can, I learned you can't get that rate if you're a returning student!!! I tried!

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I also just graduated as LPN in South Carolina and my instructor told us that everyone needs , but I asked an experienced nurse and she said I would be covered by the company that I work for and that additional insurance will make me a target for lawsuits.

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The best person to talk to regarding lawsuits and would be a malpractice lawyer.

They will have the best insights regarding how well the hospital will cover you (which is very likely not well) and if holding insurance will make you a target for lawsuits.

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How would they know about the extra insurance ?

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