Malpractice Insurance: Do you carry your own?

I do, through NSO. I am covered as an employee, but know that isn't specifically for malpractice. The cost is $109/year; small price for me.

NSO as well (ever since I got my license 25 years ago.) Reasonable rate, pretty good coverage. As a rule, never depend on your employer's coverage, even if just to have your own lawyer if the need arises.

So A. I am not a nurse, and B., given A I am obviously not a school nurse. That being said, you guys have great questions on your threads and I wanted to post to give a different perspective in case it might help someone else.

Regarding malpractice insurance, I am a CNA and I carry a one million dollar policy through NSO. I run into people all the time who don't realize that it's available for CNAs and I am floored by the number of nurses I have to tell you can't not afford it when they tell me they don't have insurance because they can't afford it. I have a great manager and love my position at a very busy medical center, but I have no illusions that my employer wouldn't throw me under the bus if it could get them out of liability.

As a CNA, since my scope and therefore liability are low my policy is less than $60 a year. That's like cutting back on one Starbucks coffee a month. I can totally afford that for the peace of mind I get, especially with those "special" patients who leave AMA hollering " Give me you name and credential number, I'm going to sue you all!" Lucky for me, I don't have my license number memorized, ha!

When I finish nursing school and get my RN I plan to keep a personal policy in addition to the one provided by our state nurses association/union. I can see where inadvertently not following just one tiny aspect of some policy would release them from covering you and I am unwilling to take that risk. For a couple hundred dollars a year, it's worth it to protect my livelihood and educational investment.

NSO here, too. I didn't start buying it until I became a school nurse, but definitely should've in the hospital, too. Like a PP said, when it comes down to it, the employer's going to be protecting themselves.

I chose NSO mostly because it seems like a/the leading provider for nursing malpractice insurance.

NSO. I'm in the teachers union but i want my own back covered.