Liability Coverage.

I have it, but I'm new to ICU and had the insurance before I started. Regardless of whether or not it makes me an attractive target, I feel more comfortable WITH than WITHOUT.

I've worked ICU for about 10 years & I have my own insurance. I just feel more comfortable knowing that my livelihood is backed by someone other than the hospital, who has their own agenda when problems arise. It's fairly inexpensive & I have never heard of a nurse being targeting due to having it. Do yourself & your license a huge favor... Get your own insurance, ICU or not.

OP, I've heard the same as you. I still have my own coverage. For 100.00 a year it's well worth it. I do t wear a sign that says sue me I have X amount of coverage. My hospital doesn't know, my pts don't know nor do my co- workers. Lawyers will go after anyone involved in the case not those with insurance plus they wouldn't know about it until later.

Not just those with insurance. Sorry

Who do you guys recommend? And for those of you who voted no, why?

I have NSO. Search insurance on here and you will get a bit more info

I have NSO also.

I'm still on the fence. There's good points to both side.

When a major suit is filed everyone who's name appears in the record is a target. The attorney has no way of knowing which staff, if any, have liability insurance. They cast a wide net.

That said If the suit occurs after you leave the hospital the hospital policy might not cover you as you are no longer their employee. The hospital insurance company has every right to recover a judgement against you if you are deemed at fault and they have to pay. (Your own insurance policy would help protect your assets). The hospital policy is not going to defend you if you are accused of a HIPAA violation or you need to defend your license before the BoN--- a personal policy will. NSO or Marsh/ProLiability (the two major carriers) will also cover your expenses if you need to give a deposition or answer interrogatories.

If you have no real assets, what the hell are they going to take from you lol??? I hear all the time nurses afraid of getting sued as if we make all this money. I do see your point with regards to having it for BON issues.

If you have no real assets, what the hell are they going to take from you lol??? I hear all the time nurses afraid of getting sued as if we make all this money. I do see your point with regards to having it for BON issues.

They can garnish wages, take your bank account, owned home or vehicle if the judgement is large enough.

Liability/malpractice insurance is not just about lawsuits. It covers your time lost from giving a deposition with legal representation or answering other subpoenaed interrogatories with a lawyer representing your interest. If you do make an error mitigating damages and protecting your license and assets, if you fall victim to addiction or diversion of narcotics legal representation, coverage for a HiPAA violation. Many even offer nursing continuing education units. It's having legal representation to protect your license and your best interest.

At ~$100/year for a staff RN/LPN employed by a company (premiums are much higher for those self-employed as the risks are higher) (and 50% discount for new grads) it's less than $10/month for legal representation and advice that you hopefully will never need!