Liability/malpractice insurance?

I RN A · Jan 3, 2007

I realize the hospital covers an incident if one is following the policies and procedures of the facility. However, in reality, we all know that blame gets shifted, fingers get pointed, you really did make a mistake, etc. So, in the interest of protecting personal assets, I'd like to have my own insurance. Any one have reccommendations?

My school requiers for all of the students to have a malpractice insurance. I think it is a good idea, and it is very inexpensive, it costs about $20 a year.

TheCommuter, BSN, RN · Jan 3, 2007

The NSO: Nursing medical malpractice / professional Liability Insurance and risk management information for RN, LPN, nurse practitioner and clinical nurse specialist.

Marsh Affinity: http://www.proliability.com

Imafloat, BSN, RN · Jan 3, 2007

I buy my insurance from NSO for $49/year. Carrying your own insurance is a MUST. The hospital is not going to cover you if you get sued.

llg, PhD, RN · Jan 3, 2007

I have always had my own insurance as a backup to whatever my employer covered. I got it through the ANA and it has been with Marsh.

While I have never had to "use it," knowing it is there helps me sleep at night. It's never been very expensive and I believe it is well worth the price.

cardiac.cure03 · Jan 10, 2007

I agree, the extra malpractice insurance is a must. I use NSO as well... pretty darn cheap.

whitecap1 · Jan 22, 2007

It is important to know that if you get sued, the hospital is suposed to cover you. BUt....in some states the hospital is allowed to then turn around and file a suit against you, in other states they are not allowed to do this. Also, I hear that if people find out that you carry insurance than they are more likely to file a suit against you because they can actually get $ from it. I am sure this is not true, but something to consider. Another thing to think about is what your specialty is. Labor and Delivery has a longer statute of limitations and a much higher rate of being sued. OR is another job where you are more likely to be sued....from what I hear

Paleobug · Jan 30, 2007

I also got my own insurance even though my employer says that they cover the nurse in any lawsuits where the nurse is named. All it takes to get sued over is things like having an elderly patient that gets out of bed, falls and is injured. The nurse will get blamed. Mine is included in my homeowners policy.