I have hemmed and hawed for years, and with each passing year in practice, gotten more and more anxious about NOT having malpractice insurance
. I had always been told "nurses who carry personal insurance are sued first," but then I had also been told that the hospital will only cover you if you followed hospital policy down to the exact letter (and we all know human error is a real thing) and will throw you under the bus the first chance they get.
I have watched coworkers go through awful lawsuits, and have had experiences at work that increasingly leave me praying at the bedside that everything turns out okay and that I don't end up in court. My line of work is just plain scary sometimes (OB). Patients are getting sicker, and pregnancies are getting more and more high risk with more and more co-morbidities that make for sometimes frightening situations at the bedside.
I have been reading through threads on this site for a few weeks trying to decide, and I finally decided that enough is enough, and that my peace of mind is worth $109 a year. I feel like a weight has been lifted. I just had to share.