Do you have your own malpractice insurance?

DebanamRN, MSN, RN · Jan 22, 2009

I use NSO. It gives me peace of mind.

http://www.nso.com/

nursingsfun · Jan 22, 2009

definitely!!! i use nso. it's only $100 yearly and well worth it. they will cover everything and you don't even have to worry about your employer. i learned in school that it was essential to have your own insurance in case your employer doesn't back you up. a small price to pay for security, especially if you have something to lose. don't hesitate. you wouldn't drive without insurance.:twocents:

ittybittybabynurse · Jan 22, 2009

Good to know! :up: What level do I need, $500,000, $1,000,000?? How do you know what to get?

Batman24 · Jan 22, 2009

I wouldn't step foot in a facility without having my own insurance. I use NSO as well.

BEDPAN76 · Jan 22, 2009

Get it now! I was falsely accused of stealing drugs. Had NSO since 1976. I was covered for $10,000 worth of legal fees to protect my license before the BON. What a nightmare. Took 6 years of working under incredible stress and going to the Board every few months before they dropped the "charges". I never saw a bill from the attorney. She billed NSO directly. It is less than $100 per year. Don't even THINK about not having it.!! :eek: :eek: NSO rocks!

CT Pixie, BSN, RN · Jan 23, 2009

Just graduated and passed the NCLEX in July '08.

I've had NSO insurance since the day I started school. I have way too much to lose if I were ever sued..even as a student. I worked too hard for what I have and I refuse to lose it because of not carrying my own insurance.

I know my facility has insurance "just in case" but we all know, but those lawyers and that facility are looking out for #1 and #1 sure as heck ain't me in their eyes.

I carry the maximum amout they offer. I would much rather pay out that $100+ per year which is only literally pennies per day (than possibly tens of thousands all at once.)

Do yourself a favor and cover your own @rse, because no one else will

rnmi2004 · Jan 23, 2009

It doesn't matter if you are a "perfect" nurse. If your employer feels that they can decrease their liability by throwing you under the bus if and WHEN a patient sues, they WILL do whatever needs to be done. The only way that you know that there is someone on your side is if you fork out less than 33 cents a day to protect yourself.

rngolfer53 · Jan 23, 2009

I have malpractice insurance through my employer, but am considering getting my own. I am looking at a contract position (for clinical trials) that requires you to have your own.
What organization do you go through?
Thanks for any advice!

Get your own insurance. NSO is well thought of.

The trouble with employer insurance is that it's the employer paying the bill, and the lawyers for the employer and its insurance company making the decisions. Your interests will be secondary to them, at best.

nursingsfun · Jan 23, 2009

There is a standard that they offer. I think it's a million per incident. I inquired when I purchased it and they told me that is all I would need unless I was an NP. They are good about guiding you. Go online and get their phone number. It's better if you call. You get more info and it's easier to comprehend. Good luck!

redranger · Jan 23, 2009

Looks like each state would make a nurse have insurance on file with the state.

Even a Plumber in Texas, who is responsible Master must have at least $300,000 of Insurance. And a copy must be sent to the Texas State Board of Plumbing Examiners, and it is kept on file for the general public to verify.