Malpractice Insurance for Nurses on Probation

Nurses Recovery Nursing Q/A

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Specializes in Family Medicine.
Malpractice Insurance for Nurses on Probation

Does anyone know of any companies that will offer if you have a discipline on your license? 

9 Answers

My understanding from others is that most all companies will give you malpractice if you show the monitoring agency is in support of you working and they can send a letter. The rates will be higher in the beginning I've been told.

Specializes in Mental health, Critical Care, Nurse Educator du.

NSO,  I believe. Your rates will be higher. 

Specializes in Nurse Attorney.

Rates are not higher for individuals.  Professional liability insurance is not like car insurance where individual rates go up after a claim.  Rates go up across the board when total costs incurred are higher.  The insurer will advise you that any policy issued will only cover events that occurred after the policy went into effect but the rate will be the same.  

I am in monitoring, and I have NSO insurance!  You just pay a bit higher of a premium since you're in monitoring, I think like 50 dollars more.  It's only 150/yr and the peace of mind you get knowing you're protected is amazing.  It also covers up to 25,000$ in legal help for Board investigations/license issues.  I wish I had had it when I first was reported to the board for substance abuse.  My legal fees might have been covered.  It's worth it to me!

Specializes in Family Medicine.
Quickstepper said:

NSO,  I believe. Your rates will be higher. 

Thanks I will check with them 

Following up on this. Were you able to find coverage. And if so, what company did you use?

Specializes in Family Medicine.

I started to use NSO but they wanted more information about my license issue so I did not complete the forms. I will try to look back into this next year

Thank you for the update!

Thank you for replying! I have applied with NSO - they requested more info - I emailed all of that to them. It's been almost two weeks, and I haven't heard anything back yet. So I was getting a little nervous. I applied for insurance with another company and was told it would be about $2,500-$5,000 per year. I was shocked! Let's hope I hear back from NSO with a better option soon.

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