Do you have your own malpractice insurance?

Nurses General Nursing

Published

I just passed boards and I'll be starting my first RN job soon, and I was wondering -- do most nurses carry their own ? It was highly recommended to us in school. Do you carry a policy? How much does it cost? Where did you get it?

Thanks for the info!

Amy, RN

(I just found out I passed boards, so I'm still infatuated with seeing my name w/"RN" after it! :p )

suzanne4, RN

26,410 Posts

Please, please do a search on this forum for this info. There are too many threads on this topic to count.

Personally, I would not work unless I had my own. NSO is only about $89 per year in most states.

begalli

1,277 Posts

Specializes in Critical Care/ICU.

Do you carry a policy? Yes

How much does it cost? $85/yr plus the cost of the stamp to mail the payment.

Where did you get it? NSO

As Suzanne stated...do a search.

NursePamela

330 Posts

I was told by one of the risk management lawyers at one of the hospitals I worked for - DO NOT get it. If you have it they will go after you in a law suit cause you have it (the money).

suzanne4, RN

26,410 Posts

I was told by one of the risk management lawyers at one of the hospitals I worked for - DO NOT get it. If you have it they will go after you in a law suit cause you have it (the money).

The lawyer for the hospital is more worried about representing the hospital, they are his clients, not you. If you do not have it, and they go after you, then you lose everything that you have ever had. You do the math.

Even for the peace of mind knowing that you had an attorney available to represent you if it was required. Much cheaper paying $85-90 dollars for that.

mommatrauma, RN

470 Posts

Specializes in ER.

I do not carry my own for the same reasons Pam doesn't. It is also backed up by my personal lawyer...

lovinghands

168 Posts

Paid mine yesterday. NSO - $89/yr. CYA

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