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Discussion

malpractice insurance IL

So I'm contemplating on getting malpractice insurance. I work at a hospital in ICU and it has always been said that as a nurse, protect your license and get malpractice insurance. But it has been said to me that working in a hospital in IL I should not. Something about Risk management? This makes zero sense to me. Does anyone have any information for me on this? I tried web searches but I'm to the point I don't even know what to search for anymore.

I appreciate the input

Jess RN

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    I spent many, many years working as an RN in Illinois hospitals and always carried professional liability insurance. Yes, not carrying personal malpractice is a common suggestion among Risk Management departments, but I personally wouldn't be without it. If a hospital had to chose between paying out a multimillion dollar lawsuit or insulating themselves by throwing a nurse(s) under the bus on a minor technicality, it wouldn't be a difficult decision for them.

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    I carry it as part of my umbrella policy with my insurance company that does my home/auto

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    Has anyone had problems with NSO.

    I've used it for yrs but never have had to USE it...still don't...just wondering

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    I've carried NSO insurance for years as an Illinois nurse.  I had some professors in college tell us that it would make us a "target" for lawsuits.  Other than on here I don't talk about my liability insurance.  I've never been sued.  I like to know that if an employer every tries to throw me under the bus that I have my own legal counsel.

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    Most places of employment have a policy that covers you as long as you work in that facility.  If you choose to leave for any reason or get fired, you no longer work there and the hospital no longer insures you.  What if, the following year, someone decides that Aunt Jane was harmed by "a nurse" while she was there and you get selected to be the fall guy.  You no longer have insurance, have to hire an attorney out of pocket and try to defend yourself.  That is the reason you should always have your own policy. 

    I heard a great presentation by an RN who was a part of a lawsuit.  She was eventually dismissed from the suit, but the hospital lawyer was all about the hospital not having to pay - not so much FOR the nurses and technicians he should have been protecting as well.  When you have your own insurance, you have your attorney who is there to help YOU - not the hospital/clinic, etc. get out from under this lawsuit.  Another reason to have your own policy.  

    I have been in nursing for over 40 years and always carried insurance - for my piece of mind.  It is not expensive either so that is another plus.

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    My question is really specific to NSO.  I've always carried MP.

     

    Anyone have problems with them, their website, etc?

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    In my not so humble opinion I feel any nurse who is working without liability/malpractice ensurance is a fool. Understand that if you own anything of value ie... a home, car, money in the bank for retirement understand it can all be taken away with just one law suit. Irregardless of what they say employers throw nurses under the bus everyday and the legal fees alone can be staggering. I have never been sued for mal-practice but I was called as a hostile witness in the malpractice suit against a physician I knew well and liked. My malpractice insurance allowed me to meet with an attorney free of charge and have that attorney proesent during my deposition. The peace of mind is worth the very low amount I pay for my insurance. But I have had it since I was in nursing school so the low rate is grandfathered in from the beginning.

    Hppy

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