Skip to content
View in the app

A better way to browse. Learn more.
allnurses

A full-screen app on your home screen with push notifications, badges and more.

To install this app on iOS and iPadOS
  1. Tap the Share icon in Safari
  2. Scroll the menu and tap Add to Home Screen.
  3. Tap Add in the top-right corner.
To install this app on Android
  1. Tap the 3-dot menu (⋮) in the top-right corner of the browser.
  2. Tap Add to Home screen or Install app.
  3. Confirm by tapping Install.
Discussion

Liability Coverage.

I was wondering how many of you ICU nurses carry personal liability insurance. The nurses on my unit insist on not carrying it, including our charge who also works as a legal nurse consultant. She stated that she has seen lawyers go after nurses for simply having the insurance. I'm confused. So many things happen in a single shift, I'm sure we've all done something wrong at some point. Seems crazy to me that people truly think a 60,000/year employee is worth suing. But, people on this thread insist. What is your opinion on liability insurance.

  • Quote

    • Should nurses carry liability insurance? 12 members have participated

    1. 1. Should nurses carry liability insurance?

    Please sign in or register to vote in this poll.

    Featured Replies

    • Author

    I'm strongly considering it given all your guys response. It seems like everyone has a different opinion lol

  • Quote
    • Experts

    Being personally sued is not the real threat to our livelihoods and net worth as nurses. In reality, the typical nurse is far more likely to end up defending oneself against the state board of nursing due to a complaint.

    Most liability insurance policies provide reimbursement up to $10,000 should you ever need to hire a lawyer to for defense against charges made by the BON. Without legal consultation, a nurse might end up with censures including fines, formal warnings, remedial education, probation, suspension, limited licensure, and the potential of licensure revocation. All of these various types of censures will negatively impact a nurse's ability to find employment.

    A good lawyer can mean the difference between a blemish-free nursing license and revocation of licensure. The annual premium for a typical liability insurance policy amounts to less than one hour of attorney's fees.

  • Quote

    I had a coworker tell me I'm nuts for getting liability insurance and I need to just think more positively.

    Right..... Like the license that requires me to pull over and assist at a MVA scene if no first responders are present is somehow going to magically protect me if something goes wrong there. God knows the hospital wouldn't.

    It's a very, very small price to pay to know that you're covered. Why take chances?

  • Quote
    I had a coworker tell me I'm nuts for getting liability insurance and I need to just think more positively.

    Right..... Like the license that requires me to pull over and assist at a MVA scene if no first responders are present is somehow going to magically protect me if something goes wrong there. God knows the hospital wouldn't.

    It's a very, very small price to pay to know that you're covered. Why take chances?

    What state mandates that a nurse pull over and assist? Most states it's call 911 if you witness an accident. Many nurses aren't skilled in EMS or first aid (especially without supplies or equipment) so would be the same as any other passer by.

  • Quote
    • Experts

    ixchel, your state really mandates that you stop and assist at accidents because you are a licensed RN? I would not be willing to live in a state with that requirement.

  • Quote

    • Join the conversation

    You can post now and register later. If you have an account, sign in now to post with your account.

    Guest
    Add a Comment
    Go to topic listing

    Currently Reading 0

    • No registered users viewing this page.

    Account

    Navigation

    Search

    Search

    Configure browser push notifications
    Chrome (Android)
    1. Tap the lock icon next to the address bar.
    2. Tap Permissions → Notifications.
    3. Adjust your preference.
    Chrome (Desktop)
    1. Click the padlock icon in the address bar.
    2. Select Site settings.
    3. Find Notifications and adjust your preference.