Liability insurance in texas???

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Specializes in ER, Med Surg, Ob/Gyn, Clinical teaching.

Hi Everyone,

I live in Texas and have been working in the ER for almost 4months now, its PRN job but I get full 40hrs a week.. I want to know your suggestions about getting a , what are the pros and cons?... any suggestion on which providers/insurance companies to use... I will be glad if you paste websites where I can get more info.. I really want to know if its whats best for me?

Thank you all in advance!!

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Specializes in OR, Nursing Professional Development.

While your facility may tell you that you don't need your own coverage because they cover you, consider this: if it comes down to the hospital or you, who do you think the hospital's lawyers are going to protect? Get your own and have someone who is there just for you and has your best interests in mind. I personally use NSO, which costs me just over $100/year and can be written off at tax time.

Professional Liability Insurance for nurses, nursing medical malpractice.

Proliability.com - Professional Liability Insurance

This is an article written by one of AN's members that you may want to read: https://allnurses.com/general-nursing-discussion/should-i-carry-391596.html

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Specializes in Critical Care, ED, Cath lab, CTPAC,Trauma.

ALWAYS CARRY MALPRACTICE!

Hospitals say they have you covered...but they do not! They will use you as a scapegoat, toss you under the bus and you will have no recourse. If you carry malpractice it will supply a lawyer (which hospitals don't want) and it offers license protection.

Professional Liability Insurance for nurses, nursing medical malpractice.

GET INSURANCE!

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Specializes in Critical Care, ED, Cath lab, CTPAC,Trauma.

I agree.....sirI's article is the best! https://allnurses.com/general-nursing-discussion/should-i-carry-391596.html

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Specializes in ER, Med Surg, Ob/Gyn, Clinical teaching.

Thank you all!! I deeply appreciate the prompt response.. I'm getting me one today.. :yes:

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Specializes in ER, Med Surg, Ob/Gyn, Clinical teaching.

Thanks a lot for the advice... I guess it doesn't hurt to have the peace of mind...:up:

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Specializes in Critical Care, ED, Cath lab, CTPAC,Trauma.

An ounce of protection is worth millions in agony.

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Specializes in ED, ICU, PSYCH, PP, CEN.

I've had NSO for 12 years now. Used them twice. They are great.

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Specializes in Pediatrics Retired.

Look for a policy that covers you having to defend yourself as a result of your professional involvement; not just if you're accused of being negligent. There are plenty of "other" reasons you could be sued in your role as a nurse - reasons not associated with negligent nursing care.

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there's loads of topics on this on the forum, i suggest using search engine, but if you're like me and just want simple answers, this is what I found and did: I got NSO, $108/yr is a price of joke, so yeah I say get it.

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