Malpractice Insurance?

  1. I am a newby here. lol I am starting my clinicals in the Summer. The school I am attending does not offer Malpractice Insurance to their student nurses. I want to be covered but have no idea how to do this. I looked online and found a company that was Nurses Service Organization (NSO). What I read sounded good, but is it?? lol I looked under student nurses, but I don't have a clue where to start. So I guess my ? is any opinions? Any guidelines at all? Have you heard of this company? I am not sure this is the place for this post, and I apologize if it is not...but any advice you could give me would be wonderful. Their website is
    If someone could look at it and give me an opinion or anything at this point, I would be most grateful.. I am located in TN. Thanks in advance for any advice you can give me on this.
    I hope you all have Happy Holidays!
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    About Wolfbeareagle

    Joined: Sep '02; Posts: 23
    Unit Secretary


  3. by   OBNurseShelley
    It is my understanding that this is a reputable company and cheap as well! I was also considering insurance from them, tho I am not a student anymore, it's still really cheap, I've heard differing opinions on the topic of purchasing insurance, let's see what everyone has to say, I've not gotten a conclusive answer, tho I'm leaning more towards purchasing it, since I am going to do some travel nursing for a while and wont' feel as protected by my hospital.
  4. by   Carleigh
    I am a student nurse who will be beginning clinicals in L & D, Peds and Geriatrics next term. I recently purchased the malpractice insurance through NSO and did it online with a very quick response. It's only $20 and is endorsed by the NSNA. Sounds like a good deal to me.
  5. by   traumaRUs
    I have had NSO for 12 years and have had no problems, of course no reason to contact them either. They seem reputable and they are the only company I found that offers nurses malpractice insurance.
  6. by   2banurse
    I'm kind of shocked that a nursing program wouldn't offer malpractice insurance...wouldn't they have to be covered as well? I know that the rate of insurance charged to the ADN student is really very little in comparison to what it might cost for a student to get their own.
  7. by   renerian
    I carry NSO and have for almost 17 years.

  8. by   ?burntout
    I sent you a PM earlier....

    I have been with NSO for 5-6 years complaints!!
  9. by   Mimi2RN
    I have been with NSO for about 14 years. I've never had to use it, but I know I have someone looking out for ME if necessary. The hospitals cover you, but if it's between you and your employer in a lawsuit, you would be on the losing side. Also, if someone asks for nursing help outside of work, and something goes wrong and they sue you.....your employers ins won't help you!

    I pay around $80 a year.
  10. by   deespoohbear
    I also have NSO insurance and it costs me about $80 annually. I would never practice without malpractice insurance. We live in a society that is lawsuit happy. Someone would sue you for looking at them cross-eyed. My employer doesn't protect my backside now, I know they would never stand by me if I was charged with malpractice. They would drop me like a hot potatoe....Don't enter the clinical area without insurance!!! JMHO...
  11. by   2MagnoliaTrees
    I always carried insurance when I was working in the field. I got mine from Maginnis and associates.