Liability Insurance

JustBeachyNurse, LPN · Nov 27, 2015

The two major writers are ProLiability and NSO. Are you an employee (W2) that works PRN or an independent subcontractor (1099--which NO new grad should ever accept they are not experienced providers)?

The difference if I work for agency A prn and get my own professional policy it's about $109/year. If I work for agency B as a1099 independent subcontractor not an employee, the annual premium is over $800 as the subcontractor shoulders full responsibility

Unequaledbeauty_30 · Nov 27, 2015

í ½í¸ž Yeah, umm the papers they had me read and sign state that I'm an independent sub contractor and they are not liable for anything including injuries to the client or to myself.

JustBeachyNurse, LPN · Nov 27, 2015

Ã*Â½ÃÂ¸Âž Yeah, umm the papers they had me read and sign state that I'm an independent sub contractor and they are not liable for anything including injuries to the client or to myself.

Strongly consider accepting such a job and they may not even be legally declaring you a contract employee per IRS rules. Per BoN you cannot practice independently without oversight from an RN or physician, the agency likely does not know this. A policy will likely be $800-$1500/year

Unequaledbeauty_30 · Nov 27, 2015

Thank you for the information. There is an RN on staff that overseas the cases. Right now I've accepted only on client. They had me fill out paperwork for Employer Tax ID # but then in additional paperwork it said that they don't take out taxes and it would be my responsibilty to file.

JustBeachyNurse, LPN · Nov 27, 2015

Consult with a tax accountant/advisor as you are legally responsible to submit employment taxes to the IRS and state quarterly. Ignorance does not negate fees for failing to file. Of course they won't tell you this. Regardless of what you may have signed you may not qualify as an IC

Unequaledbeauty_30 · Nov 27, 2015

Will do. Thank you again for your advice and knowledge.