Malpractice Insurance: Having your own policy is a NECESSITY - page 2

New York State Nurses Association (NYSNA) REPORT: April 2003 Malpractice Insurance: Having your own policy is a NECESSITY! by Mark Genovese You may never have to use a professional liability... Read More

  1. by   teeituptom
    Just another good reason to declare war on lawyers rather than on Saddam. Which is truly more Evil Saddam or aLawyer

    I know my vote

    doo wah ditty
  2. by   canoehead
    A good question- if someone asks you if you have malpractice insurance do you have to tell them? What is the relevance to the case?
  3. by   Keely-FutureRN
    Should all hospital employee's have malpractice insurance? (i.e. CNA's, MA's, etc.)

  4. by   RN2bCA
    Hello There!
    I'm a new member of the Grad Class of 2009! Wew-Hoo! Having a hard time getting in touch with NSO: online application doesn't follow through AND their FAX # appears to be overwhelmed! Ugh!
    I found HPSO out there as well. Was wondering if you knew of another student nurse malpractice insurance provider out there, that I should check out???
  5. by   EnigmaticParadigm
    I'll echo the sentiments of NSO. Small price to pay each year for the piece of mind. I work hard for my toys; I don't want some lawyer taking them .
  6. by   elkpark
    Quote from plumrn
    I had to give a deposition in a suit that I was not named in, but did care for the pt at one point.
    Did you let your insurance carrier know that you were being deposed? Most of the standard policies include coverage for (your own) legal representation if you are deposed or called to testify in a case against someone else. I, personally, would not trust my employer's legal counsel to prepare & represent me in a deposition or to testify in court ... :uhoh21: The whole point of carrying your own insurance is that the facility's counsel is representing the facility's interests, not yours.

    As for the comment about lawyers being evil, as an attorney friend of mine commented many years ago, everyone thinks attorneys are evil until they need one, and then it's suddenly a different story ...
  7. by   SuesquatchRN
    Quote from -jt
    Its a myth to think that if you dont have malpractice insurance, you wont be sued.
    Or that your employer won't go after you.

    Get it today.
  8. by   killuwa
    reading all these postings make me feel uncomfortable working anymore. lol. But I love my chosen profession, and I love caring to people. hope it returns good to me.
  9. by   ♪♫ in my ♥
    Somebody alluded to this above but just to be crystal clear:

    If your employer has a policy which covers you, don't think for a second that they won't try to marginalize you and declare that you acted outside of your practice scope and are therefore excluded from coverage. Their lawyers will be going over you, your record, and your life with a fine-tooth comb trying to find anything they can to push some percentage of the liability onto you.

    You really want your own policy, in your own name, so that you'll have your own team of lawyers (from your insurance company) fighting for you.

    I'd try to get the premium negotiated into your next contract.

    Oh yeah, my own lawyer is evil, too. He's a nice guy and an otherwise decent human being but geez, $350/hr? Just because I had to hire him doesn't mean that the whole lot of them aren't bottom feeders.
    Last edit by ♪♫ in my ♥ on Aug 10, '07
  10. by   Athenas83
    I am starting nursing school in a week. Should I get insurance from NSO to cover me as a student?
  11. by   Athenas83
    Wow....I just got a free quote, and it would only be $29 a year for me as a student. Not much at all. What does the limits of liability mean?
  12. by   GadgetRN71
    Funny, but I had orientation this week and earlier this week someone had posted that their risk management person advised against malpractice insurance. Guess what, so did the woman who talked to us!!:angryfire We have several new grads so I feel that what she said was damaging. She gave us the old line that we were more likely to be sued if we had our own insurance, that the hospital would never hang us out to dry..blah blah blah...When we went to lunch, I made sure to correct the erroneous info she gave out. I'm such a troublemaker!! I also gave out the number for NSO.(that's what I have)
  13. by   SuesquatchRN
    Quote from WitchyRN
    that the hospital would never hang us out to dry..blah blah blah...
    Ha! My ----- tushy.