Hi, I am a new grad..I was wondering about malpractice insurance
? Any helpful hints..Thank you for your reply..
Nov 5, '06
Quote from Freedom42
Thanks. Does the individual policy provide extra coverage over and above the hospital's policy? Or does it kick in if, say, the hospital's legal counsel refuses to represent you? If you work at a unionized hospital, does the union typically negotiate extra coverage for you?
I appreciate your answering my questions. I aim to become a BSN and am coming from a completely different corporate culture.
You are welcome, Freedom42.
I cannot answer union questions for they are a whole other world for me. Some here might be able to answer these questions.
You cannot go wrong with individual coverage. If you are named in a suit along with other nurses, your hosptial's policy will be covering them as well as you. It could be conceivable that any money paid out would be limited for each defendant. You could be liable for the difference/s. If you carry your own individual coverage, you would be covered for 1,000,000 each claim and up to 6,000,000 aggregate (NSO). The policy is yours alone.
Last edit by sirI on Nov 5, '06