NSO Insurance

Nurses General Nursing

Updated:   Published

Hello! I am a new RN and wanted to get insurance just to be 1000% safe. I know a lot of people (the director of my program included) recommended NSO. I get nervous doing things online so I just wanted to make sure NSO.com is legitimate and not a fake/scam website. Is this where anyone got insurance from?

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I think nursing school instructors must get a commission, because that's where everyone gets the idea they need the insurance. Must of us who are staff nurses in s hospital don't need it.

If you decide you do need it, NSO is a legit company to get it from.

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Specializes in Vents, Telemetry, Home Care, Home infusion.

Check our thread:

https://allnurses.com/should-I-carry-nursing-malpractice-t278767/

NSO is a legit company, had their policy years ago. Since ANA member, get discount with Proliability. Have carried own malpractice x 43years without every needing it.

Cost is $113.00 for peace of mind.

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I have insurance through NSO. Thankfully I've never had to use it. I know a lot of people will say you don't need it, but I would rather have the peace of mind. NSO does more than provide . They will reimburse costs of helping people (like if you use your first aid kit at an accident) and will help with your medical expenses if you are the attacked at work.

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I just opened my own insurance agency. For $113 a year, I'll sell you a policy that covers your home in the event it is struck by a meteor.

I know that it is extremely unlikely your home will be struck by a meteor ( just as unlikely you'll ever be sued working as a nurse) and if it is your homeowners insurance will cover it (just as your employer has to cover you if you are sued).

Still, it's only $113. Isn't that worth your "peace of mind"?

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Specializes in Critical Care and ED.

Not only is NSO legit, but it's pretty much the default company for . I would say the majority of nurses who hold insurance go through this company. I've had a policy with them for 15 years.

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Specializes in Psych, Addictions, SOL (Student of Life).
SC_RNDude said:
I think nursing school instructors must get a commission, because that's where everyone gets the idea they need the insurance. Must of us who are staff nurses in s hospital don't need it.

If you decide you do need it, NSO is a legit company to get it from.

IMHO any nurse who has anything to lose like a house, money in the bank or property oh or like their license Should have professional liability and license protection coverage. I've worked too hard for what I have and will not throw it down a hole of lawyers fees. I have been with NSO since I was in nursing school and find them very reputable.

Also for those who think their hospital's insurance will cover them in the event of a lawsuit be forewarned they will only cover up to the extent it protects them . I have seen many nurses thrown under the bus by the hospital's they work for. Just saying

Hppy

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Specializes in school nurse.
hppygr8ful said:
IMHO any nurse who has anything to lose like a house, money in the bank or property oh or like their license Should have professional liability and license protection coverage. I've worked too hard for what I have and will not throw it down a hole of lawyers fees. I have been with NSO since I was in nursing school and find them very reputable.

Also for those who think their hospital's insurance will cover them in the event of a lawsuit be forewarned they will only cover up to the extent it protects them . I have seen many nurses thrown under the bus by the hospital's they work for. Just saying

Hppy

Exactly. The hospital's insurer is working for the HOSPITAL...

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Specializes in NICU.

Used NSO for decades,never had a problem,they were not always online,we had no computers or internet then,...certain jobs I had to show I had my own insurance.

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Thank you all SO much for the help! I will be getting the NSO insurance then. Its only $45 for this year and the $100 a year afterward are worth it to me. The hospital told all the new grads that they would not protect us if something were to go wrong, so I just want to be safe (although I pray nothing goes wrong!). It also helps to protect in case of a patient attack (again, I hope that never happens!).

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Specializes in Urgent Care, Oncology.

I've had my NSO policy for 5 years and I am glad to have it just in case. It is $162/year so I guess I'm in a heavily liable area - welcome to Florida! :no:

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