I am running into a bit of a problem with NSO. Today I tried to get Liability Insurance for my first job as an RN (I just graduated in May).
I did not know NSO and HPSO were the same thing until after I applied for a quote. I had insurance as a dental hygienist through HPSO, but let it lapse after nursing school. I no longer practice as a hygienist.
Well apparently my email matched up with my old account, so I had to call the company to sort things out. I was informed that since I hold the credentials of a hygienist as well as an RN, they had to insure me for both. Whatever, but I told the rep I do not work as a hygienist any longer (I do keep my license active just in case- I do not want to take my boards over again if I let it lapse, and I want the option of going back if I ever need to) .
I was then informed that they could only insure me up to the max amount a hygienist could be covered for(1mill/3mill), and not up to the amount an RN would get (1mill/6mill). Of course, they would charge me the RN fee, even though I would only get the benefits of the hygienist coverage.
This makes no sense to me. I am not asking to be covered as a hygienist! Why should I get screwed over because I have two professions and not get the full amount? I have way more of a risk of being sued as an RN than I ever would as a hygienist.
Any other nurses who have more than one license running into this? NSO is the cheapest, and also gives the new grad discount, so I really would like to go with them if possible. What are some other reputable companies? I did a google search and only really came up with proliability, which charges $114 per year (my quote w/ NSO was only $50).
I'm sorry to hear of the challenges you had in trying to obtain professional liability insurance coverage from NSO. You were correct in your belief that you should be able to purchase $1,000,000/$6,000,000 limits with NSO, despite having been a customer with our sister brand, HPSO. In fact, you would be able to have both licenses (nursing and hygienist) covered for the price you pay for the nurses premium (the higher of the two @ $106 per year). I have spoken to the head of our customer service team and confirmed you should have been able to obtain coverage at the $1/$6 limit and have both licenses covered without the need for any letter from your employer. He, in turn, is speaking to the customer service representatives to ensure they understand our ability to cover an RN, should a similar situation occur. That said, I see you already purchased coverage and so can only provide my sincere apologies. I wish you the best as you start your new career as an RN.
Regards,
NSO
Thank you DaGriffiths. I wish I would've gotten you on the phone yesterday lol. The customer service rep and supervisor at NSO made me feel like I was the idiot when I did not see the sense in what they were telling me. I appreciate you setting this straight so other people in my position won't run into problems with this in the future.
RDH1, ADN, BSN, RN
49 Posts
Thank you DaGriffiths. I wish I would've gotten you on the phone yesterday lol. The customer service rep and supervisor at NSO made me feel like I was the idiot when I did not see the sense in what they were telling me. I appreciate you setting this straight so other people in my position won't run into problems with this in the future.