Insurance?

GGT1 · Oct 20, 2011

I think it's always a good idea to protect yourself, your license, and your future earnings. I purchase my nursing insurance through NSO.

golflinda2214 · Oct 20, 2011

I have an endorsement to my homeowner's policy through State Farm

nurseprnRN, BSN, RN · Oct 20, 2011

i can promise you that soon somebody will post, "i never get insurance because my facility said they would cover me," and somebody else will post, "my brother-in-law's cousin's exwife told me never to get insurance because if there's a lawsuit they won't go after you unless you have some." both patently untrue, and dangerous in the bargain.

one, if your facility is sued for something you did (or something that somebody thinks you did, whether or not it's true), the facility's lawyer does not work for you. s/he works for the facility, and will not hesitate for a new york minute to throw you under the bus to protect the facility. you must have your own attorney, and your malpractice insurance will provide you with one (be sure you get that feature in a policy). this person's interest is for you, because if you lose, they, your insurance, have to pay, and they will do everything possible to prevent that.

two, if the facility has to pay a claim related to a suit involving you, they don't pay it themselves, their insurance company pays it. then, no matter how much your facility professes to love and adore you, the insurance company is completely within their rights to go after you to recover their loss on the claim, and you can bet they will, regardless of whether you have insurance or not.

read the policy; know whether it covers you only while the policy is in force: if the action occurred last year and you weren't insured then, and the suit is brought today, does it cover you now? it you were insured last year and the action occurred then, and the suit is brought today, but you don't have the policy in force today, does it cover you? ask, and be sure you get the one that covers you the most broadly.

this coverage is not that expensive, maybe a coupla hundred dollars max per year; for an lpn, probably less. when you consider that one hour of attorney time is more than that, the thing's a bargain.

i've been with nso for many years, and their companion hpso for my business. good people. i think they also offer disability insurance, and i never go without that.

classicdame, MSN, EdD · Oct 20, 2011

I have my policy thru my homeowner's insurance. Very inexpensive. You never know----

littleone49 · Oct 25, 2011

Thanks everyone!!