Skip to content
View in the app

A better way to browse. Learn more.
allnurses

A full-screen app on your home screen with push notifications, badges and more.

To install this app on iOS and iPadOS
  1. Tap the Share icon in Safari
  2. Scroll the menu and tap Add to Home Screen.
  3. Tap Add in the top-right corner.
To install this app on Android
  1. Tap the 3-dot menu (⋮) in the top-right corner of the browser.
  2. Tap Add to Home screen or Install app.
  3. Confirm by tapping Install.
Discussion

Do you have your own malpractice insurance?

Hi everyone. I am in my second year as a licensed APRN. When I started my first job out of school, the company provided malpractice insurance to me under their policy, but I went ahead and got my own to be safe. At my new job, it is a small company and I share limits with my supervising physican on his policy and still have my own policy, but I am thinking of canceling mine.

Do you have your own policy or just rely on employer provided malpractice insurance?

  • Quote

    • Featured Replies

    • Experts

    From my hard-earned experience:

    1. I've had my own malpractice insurance since 1992 when I became an LPN

    2. I've been an APRN since 2006 and if you are sued and ANY amount of money is paid out, most times your practice will cover you unless it is an egregious error or involved criminal activity. However, with your own policy you do have ability to talk to a lawyer who only has YOUR interest in mind.

    3. Once the payout is made, the liability of your practice/facility/company ends. But....guess what? This is all reported to your local BON. Sooner or later you get a certified letter in the mail asking for your presence to explain yourself. Going before the board without legal representation is folly in itself. This is where your private policy comes into play - it protects YOU.

    So, yes I've always kept my own policy and from my experience it pays for itself

  • Quote

    Yes, I have maintained my own policy since RN times and would recommend you do the same as tramaRUs states. It's not that expensive about $1k a year depending on NP board certification and practice.

  • Quote

    I have my own policy as well.

  • Quote
    • Author
    On 10/2/2019 at 7:11 PM, emsguy said:

    Yes, I have maintained my own policy since RN times and would recommend you do the same as tramaRUs states. It's not that expensive about $1k a year depending on NP board certification and practice.

    Living in Florida, it is much more expensive. Would you pay $4k a year for the same coverage?

  • Quote
    • Experts

    I pay $2k in Illinois and yes I would pay $4k for the peace of mind.

  • Quote

    I have had my own malpractice since I was a BSN student. I would never be without it. One of my BSN instructors was an RN/JD who represented plenty of nurses. She told us that if the circumstances are right, an employer will throw an employee under the bus. And then you're stuck -- the lawyer works for the employer, not you.

    Just my opinion, of course.

  • Quote

    Re malpractice insurance, could anyone recommend a company other than NSO? I was going to check out Berxi but found out today they don't cover APRNs in California. Thanks.

  • Quote
    On 4/23/2020 at 11:58 AM, db2xs said:

    Re malpractice insurance, could anyone recommend a company other than NSO? I was going to check out Berxi but found out today they don't cover APRNs in California. Thanks.

    Have you tried CM&F?

  • Quote
    19 hours ago, LadyT618 said:

    Have you tried CM&F?

    No! I will check it out. Thank you!

  • Quote

    I have Proliability. They are usually responsive to any requests or concerns I have.

  • Quote

    Hello!! what is the best company that offers vast coverage in malpractice for nurses?

  • Quote

    I have CM&F and have always carried my own liability insurance from RN days.

  • Quote

    • Join the conversation

    You can post now and register later. If you have an account, sign in now to post with your account.

    Guest
    Add a Comment
    Go to topic listing

    Currently Reading 0

    • No registered users viewing this page.

    Account

    Navigation

    Search

    Search

    Configure browser push notifications
    Chrome (Android)
    1. Tap the lock icon next to the address bar.
    2. Tap Permissions → Notifications.
    3. Adjust your preference.
    Chrome (Desktop)
    1. Click the padlock icon in the address bar.
    2. Select Site settings.
    3. Find Notifications and adjust your preference.