Do you have professional liability insurance?

Published

Do you have professional ? Do I need it? I'm trying to find more info on it. I've gotten info from one company that offers it (NSO), but I still have a lot of questions...

Any info that anyone could offer would be great!

Specializes in ORTHOPAEDICS-CERTIFIED SINCE 89.

Always have, always will, NSO.

Up Vote Up Vote ×
Specializes in Gerontological, cardiac, med-surg, peds.

Yes, NSO. Too much suing going on.

Up Vote Up Vote ×

NSO here too..$89 a year..in these 'sue happy' days nobody should be without it.

Up Vote Up Vote ×
Specializes in CCU (Coronary Care); Clinical Research.

I also have it, I have been an Rn for about one year now and have had it since I graduated, I also go through NSO, for me, it is worth the peace of mind...as others have mentioned, too many sue happy people out there today...

Up Vote Up Vote ×

Nope, don't have any.

steph

Up Vote Up Vote ×
Specializes in Interventional Pain Mgmt NP; Prior ICU and L/D RN.

NSO her also!! Wouldn't work without it! Can not trust the hospital to cover me...nurses are the low man on the totem pole. Read the fine print of it on both sides...it covers a lot more than just if you are sued for malpractice!

Up Vote Up Vote ×
Specializes in Interventional Pain Mgmt NP; Prior ICU and L/D RN.
Originally posted by James Huffman

I don't have it.

Here are my reasons:

http://www.networkfornurses.com/how_not_to_get_sued_for_malpract.htm

Jim Huffman, RN

http://www.NetworkforNurses.com

I would tend to differ; I personally know a few nurses that have been named in lawsuits. (later they were found to not be at fault for any wrong-doing) Think about the lawyer fee's that pile up during this time though...NSO does pay for these fees.....

And I personally would rather be safe than sorry!!! You never really know...

Up Vote Up Vote ×

I tend to subscribe to Jim's philosophy. However, you never know sometimes. It is a personal choice. It is inexpensive. I don't have any.

Up Vote Up Vote ×
Specializes in Obstetrics, M/S, Psych.

No insurance here, but if it buys peace of mind I think it is worth it. I believe someone is more apt to attempt to sue me if they think they can get something out of me. I'm not worth the hassle. Also, I know insurance companies are in business to make money and they are pretty sure they are going to make money on whatever policy they sell me. Nurses very rarely get sued. It is worth the "risk" of going without to me.

Up Vote Up Vote ×
Specializes in ICU's,TELE,MED- SURG.

I have NSO's insurance. You better believe it!

Those legal eagles that disuade you from having it can have a horrible impact on your life.

If you pay those premiums, those greedy lawyers will pick on all the insurance dollars and leave your funds intact. A premium with NSO is affordabel and will allow you to sleep much better at night.:)

Up Vote Up Vote ×

James . . . that is exactly why I don't have insurance.

Lordy mercy I already pay up the wazooooo for insurance . . car insurance, homeowners insurance, life insurance . . . not to mention taxes. $100 a year is alot for me.

Thanks for posting those links.

steph

Up Vote Up Vote ×
+ Join the Discussion