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Discussion

Insurance

Simply put, as a relatively new grad RN I think it might be worth having. I looked into one, the ones that advertise a lot in AJN, and they said they would send me a packet in the mail, but it never came.

Who would you recommend for insurance?

What is important in a policy?

Any particular pitfalls/traps to avoid?

Any help is appreciated.

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    • Featured Replies

    Try NSO (nurse service org). I've been with them for years. Easy to talk to even when I got an attorney's letter in the mail. No problems. The site is www.nso.com

    I look for customer service, ease of use, and straightforward coverage. Geesh, I sound like a ad!!

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    Try NSO (nurse service org). I've been with them for years. Easy to talk to even when I got an attorney's letter in the mail. No problems. The site is www.nso.com

    I look for customer service, ease of use, and straightforward coverage. Geesh, I sound like a ad!!

    Agreed! NSO is only 50 bucks i believe if you are a new RN cuz you get some type of new nurse discount or some crap. But totally do it. Can't have enough protection in these days with everyone n their mother trying to sue everyone else for every god darn blessed thing!

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    NSO all the way.

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    • Experts

    Marsh is the other company specializing in nursing coverage that gets mentioned frequently (I have coverage with Marsh).

    https://www.proliability.com/

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    Look into if the policies cover "tail" claims. You need to know if the policy covers claims that come in after you no longer have the coverage (like if you stop paying for the coverage or when you retire).

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    • Author

    Thank you all.

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    NSO is GREAT. They cover you for the time policy was in place. So if you retire, for example, and terminate your policy, and then a year later you are involved in a lawsuit regarding something that happened while you were still working, you are still covered.

    Every nurse should get insurance the minute they graduate, and not terminate the policy until they retire.

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