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Nurses General Nursing

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I have a few questions regarding . I was considering going with NSO..

Do you believe malpractice insurance is a necessity? Is it worth the $109 a year? If I get coverage now, does it cover me if a patient/family member comes after me for something that happened BEFORE coverage? What all does malpractice insurance cover?

Thanks!

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Specializes in Med/Surg, Ortho, ASC.

It's a necessity.

It's worth the relatively paltry sum of $109.00

It doesn't cover previous incidents any more than a Homeowner's policy covers a fire that occurred prior to purchase of the policy. Or a health insurance policy covers an illness that occurred prior to purchase of health insurance.

Common sense is required, as always.

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Specializes in OR, Nursing Professional Development.

These are all things that can vary based on your individual policy, where you live, and even what specialty you work in. Best bet is to talk to someone with the company. Also, if you do a search here, you'll find several good threads discussing opinions about whether or not to have and which company to go with.

Here are a couple of threads to start with:

Should I carry malpractice (liability) insurance?

One healthcare risk manager's view of individual nursing malpractice insurance

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