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Discussion

Do you have Malpractice Ins?

Just wondering if any psych nurses have malpractice insurance? Is this something I need to think about getting? I was told conflicting advice in nursing school and am not sure the best course of action.

Thanks!

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    • Featured Replies

    Yes! I use proliability (Mercer consumer) and it's only about $100/year. My employer-provided malpractice insurance covers the bare minimum and I like having $6,000,000 in my own coverage per year. Plus if you have any action against your license it covers lawyers for BON hearings. Even if I don't ever end up needing it, it makes me feel better knowing that it's there. I believe it's worth the investment.

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    • Experts

    Yes. I would never work a day without my own coverage. My father was a physician, and he advised me >30 yrs ago when I was in nursing school to always carry my own coverage and never trust an employer to protect my interests. Everything I've seen in nursing since then has just illustrated to me what wise advice that was.

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    I didn't have liability insurance when I was working, I didn't know about it. I'm lucky nothing ever happened to me! I would definitely get it & plan on getting it when I am admitted to a bridge program.

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    Indeed. While I am covered by my employer, they will protect their interests first. I was pulled into a meeting with the hospital's lawyer about this time last year because my name was on the chart. The adverse event that occurred didn't even happen on my shift. It made me so glad that I had the coverage.

    Eek. Makes me want to get my own coverage. On that now...

    Why didn't I think about this before. Smh at myself.

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    Eek. Makes me want to get my own coverage. On that now...

    Why didn't I think about this before. Smh at myself.

    Yeah, go do it now! I wish I had known about it when I was working. Someone was looking out for me.

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    Yeah, go do it now! I wish I had known about it when I was working. Someone was looking out for me.

    I love AN for this very reason.

    Teaching me how to save my booty.

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    • Experts

    I got it as a new grad (in 1977) and have never worked a day without it. I want my own attorney looking out for me and my interests -- not the hospital's.

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    • Experts

    I will never practice without it.

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    • Author

    Thanks everyone! I'll definitely look in to getting some.

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    Don't work without it! It's as important, or moreso, than comfy shoes and a good stethoscope...

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    See my article on the coverage limitations of nursing malpractice insurance. Some of the comments here are consistent with the confusion over what an individual policy covers and when you get an attorney provided by your own insurance company. Hint: probably not, for the typical nursing malpractice case.

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    Absolutely. I have had liability insurance from NSO since nursing school.

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