Insurance?

here's this gem from one of the site's administrators:

congratulations on passing nclex. good to read of your desire to protect your hard-earned license.

to answer your questions:

1. is the liability/malpractice insurance your hospital/facility provides enough coverage?

no, it is not. read below.

2. would you suggest purchasing your own policy as well?

definitely. i am a strong advocate for this.

3. where would i find a legitimate company to provide said insurance?

go to http://www.nso.com for a free quote. in alabama, the rates for rn are $98/year. i've used nso for years.

per nso, you can qualify for a discounted first year rate:

your graduation date must be within 12 months of your requested effective date in order to be eligible for the first year graduate discount.

4. how much is enough?

i advise $1,000,000/$6,000,000

5. how expensive is it?

see above

6. since i am very new at this is there any other questions or info i would need concerning this topic?

see below

all malpractice insurance policies have limits of liability. other defendants employed at your entity may and probably do share your liability limits under the same policy. if you, as well as others, are named in a suit, your legal costs, including any settlement, could exceed your employer's shared liability limits. this would mean out-of-pocket expense(s) for you.

And honestly, the premium charged is minimal for the coverage you get.

I agree. The yearly premium for professional liability insurance is cheaper than the first hour of consulting with a lawyer. It is better to be safe than sorry.