What malpractice insurance??

Specialties Emergency

Published

What type of are all of you using?

I need to make an investment and any help would be appreciated.

Thanks.

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Specializes in Emergency.

NSO $100 a year. Best peace of mind that I can buy.

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Specializes in ER, Pedi ER, Trauma, Clinical Education.

Ditto!

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Specializes in Education, FP, LNC, Forensics, ED, OB.
www.nso.com
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:yeahthat:

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Specializes in L&D.

I don't have any, and neither do any of the nurses I work with...and the hospital I work for RECOMMENDS that we do NOT carry it as nurses. Why? Because studies show that IF something ever happens, then the "victim" is more likely to sue you (or go for more "compensation") if you have . As it was put to me, "The more you have, the more you have for them go after."

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Specializes in ED, ICU, PACU.
I don't have any, and neither do any of the nurses I work with...and the hospital I work for RECOMMENDS that we do NOT carry it as nurses. Why? Because studies show that IF something ever happens, then the "victim" is more likely to sue you (or go for more "compensation") if you have malpractice insurance. As it was put to me, "The more you have, the more you have for them go after."

Hospitals would like you to believe that because if you are named in a lawsuit, along with other hospital employees and the docs, the hospital will be able to scrutinize your actions; and, if you have deviated one iota from hospital policy (that includes not documenting every little detail) they can turn on you, leaving you with no one to defend your interests. Please do not believe that their lawyers have your interest at heart. Hospital attorneys are there to protect their client (the one who pays their bill)-the hospital. No doctor would believe this garbage and docs even negotiate a separate policy for themselves when they are hospital employees.

The hospital has no way of knowing that you purchased your own insurance. The only way they would find out is if you were named in a suit and your lawyer advised them that you are being independently represented. The decision for naming the parties of the lawsuit are based upon a record review of all who interacted or were responsible for the patient, not by financial capacity (it's known as the doctrine of 'throwing the spaghetti on the wall and seeing which pieces will stick' :lol2:). It is only after a lawsuit is filed does the discovery process take place. Now, do you think that the hospital will be quick to turn on you if your lawyer was scrutinizing their policy, procedures, staffing ratios, etc? Also, your lawyer has the capacity to file a motion to dismiss you from the suit if you were not directly involved in the action that lead to the lawsuit &/or file for a summary judgement to have a judge determine the extent of your involvement . Do you think that the hospital attorneys have a vested interest in doing the same?

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Specializes in L&D.

Good points, loricatus. I will have to think about this some more. Even the nurses I work with who have been sued still say they won't carry the malpractice insurace as extra because they believe that it would have made things worse on their part if they had.

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Specializes in NICU.
I don't have any, and neither do any of the nurses I work with...and the hospital I work for RECOMMENDS that we do NOT carry it as nurses. Why? Because studies show that IF something ever happens, then the "victim" is more likely to sue you (or go for more "compensation") if you have malpractice insurance. As it was put to me, "The more you have, the more you have for them go after."

Not true.

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Specializes in ER.

I agree with loricatus - good points by the way. There is no way the hospital has your best interest at heart. They are going to defend the hospital - "well, our policy states..."and that's it, you're screwed if you didn't follow it to the tee. Heaven forbid you didn't vitalize you tele pt's every 2 hours because something else went wrong that night or whatever the case is. You want someone who is going to defend YOU and you alone. NSO is cheap and good coverage and the first year I think is 1/2 off. Like $50 for the year or something like that.

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I wouldn't step out the door without it.....

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Specializes in Post Anesthesia.

I carry a rider to my homeowners policy. Its only $50-$70/year and I don't have to think about it. I'm sure there are other options that give a more tailored coverage, but for the price I get piece of mind without shopping around, keeping track of multiple bills, etc. I'm getting old and simpler is better for me.

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