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 Liability Insurance? If so, what is a good company to get it from?
Sun0408, ASN, RN 1,761 Posts Specializes in Trauma Surgical ICU. Has 4 years experience. Sep 7, 2010 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.
MassED, BSN, RN 1 Article; 2,636 Posts Specializes in ER. Has 15 years experience. Sep 7, 2010 only if you plan on never being sued.
MassED, BSN, RN 1 Article; 2,636 Posts Specializes in ER. Has 15 years experience. Sep 7, 2010 it's about $100/yr for NSO, actually. RN in hospital setting.
Sl1011 402 Posts Sep 7, 2010 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.
Sun0408, ASN, RN 1,761 Posts Specializes in Trauma Surgical ICU. Has 4 years experience. Sep 7, 2010 Mass, I am a RN in a hospital and I pay 50.00 a year.. It depends on your state mostly...
TheCommuter, BSN, RN 226 Articles; 27,608 Posts Specializes in Case mgmt., rehab, (CRRN), LTC & psych. Has 17 years experience. Sep 7, 2010 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.
MassED, BSN, RN 1 Article; 2,636 Posts Specializes in ER. Has 15 years experience. Sep 7, 2010 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...?
MassED, BSN, RN 1 Article; 2,636 Posts Specializes in ER. Has 15 years experience. Sep 7, 2010 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!
sea~level 4 Posts Sep 7, 2010 I also just graduated as LPN in South Carolina and my instructor told us that everyone needs malpractice insurance, 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.
Fribblet 839 Posts Sep 7, 2010 The best person to talk to regarding lawsuits and malpractice insurance 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.
