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Discussion

liability insurance

Was wondering what everyone's thoughts were on liability insurance. I have heard lots of nurses say that it's bad because if you are named in a suit people are more likely to sue you because they know you have insurance. Have heard other people say it's good because the hospital attorney is more likely to sell you up the river in order to save the hospital's butt. Thanks

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Geez, this subject's been coming up a lot lately........if you are named in a suit no one will know you have your own insurance unless you say something. You can notify your carrier and be represented by them without anyone finding out for a while that you have your own coverage.

The second thing you heard is sort of true: the hospital may tell you they will help you, but they are only interested in their own interests. If the blame can be shifted to someone else, even one of their own staff, they'll do it.

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here are several threads on the subject:

discouraged on getting own insurance?

carrying my own malpractice insurance?

liability/malpractice insurance?

malpractice insurance?

where do i get lvn/lpn malpractice insurance?

reasons why to carry malpractice insurance:

need tips...meeting attorney re: pt liabilty case

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if your license is disciplined

reinstated license after suspension

falsely accused of a hipaa violation

I believe it is wise to carry your own insurance and here's why. If you get sued you are going to have to pay for an attorney to represent you. That can be expensive. One attorney charged $100/hour to represent me in a non patient related lawsuit. (A doctor tried to sue me for "slander") Thank goodness the suit ended up being dropped, but not before I spent $1000. Hope this helps.

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