Do all Nurses need Malpractice Insurance

[beatrice1]

I am a new Nurse, just started working for homecare company. I have heard that Nurses should have thier own insurance to cover themselves. Does everyone recommend this? and how/where can I find out more about it?

Thanks,

Bea

[BabyLady, BSN, RN]

Thank you all for the wonderful information. I shamefully have been practicing for 6 years without liability insurance. I have no excuse other than what an instructor told me in nursing school. She stated that holding liability insurance makes you a target for any lawsuit (assuming you had any part of the patient's care) and they will come after you first since you are covered. Yeah, I know, it doesn't make a whole lot of sense but I believed her. I just finished looking at both of the websited previously posted and will definitely be purchasing coverage within the next few days.

...and your instructor passed on one of the biggest myths in nursing, that carrying malpractice insurance makes you more of a target.

There is no fact in that whatsoever.

Here is your proof:

Physician's Liability Insurance: Costs tens of thousands a year..because they frequently get sued.

RN's liability insurance is only a couple of hundred: Because we RARELY get sued.

If we got sued anywhere near as often as physician's...none of us would make enough to carry insurance.

[Tait, MSN, RN]

Yes :)

[adnrnstudent, ASN, RN]

Time to re-new my policy. I use Marsh through Proliability.

Any input on which option I should choose?

$1,000,000 per incident / $6,000,000 aggregate

or

$2,000,000 / $4,000,000

[HappyMom5]

Hey allnurses has partnered with CM&F to offer nursing medical malpractice insurance or aMMP. Great rates. Check it out https://allnurses.com/medical-malpractice-insurance/