Malpractice Insurance

Get a Nursing 2006 magazine. There are always flyers in there for malpractice insurance. That's where I got mine.

Get a Nursing 2006 magazine. There are always flyers in there for malpractice insurance. That's where I got mine.

I actually do have that one from AJN. . . I think it is NSO - I just did not know if there were others out there that were better or what. Either way at least I know someone who endorses it. Thanks for the info

I was told malpractice insurance isn't necessary because the hospital is supposed to cover you. Is that what "blame-free" reporting is for? I could be wrong.

I was told malpractice insurance isn't necessary because the hospital is supposed to cover you. Is that what "blame-free" reporting is for? I could be wrong.

I thought the same thing! I don't carry my own insurance.

I read in journal once that a hospital sued a nurse after paying a malpractice claim. It had to do with a patient fall.

I don't count on my hospital or registry to cover me. Also what if you are sued by a neighbor or stranger you help?

Once I was volunteering for a blood bank. A Red Cross employee threatened to sue me because I called 911 when he became diaphoretic & SOB with chest pain. He didn't, it was denial. Still the cost is less than $100.00 a year.

I use the same recommended company - NSO 800.247.1500

Never been sued but glad to be covered just in case.

I have used NSO since I graduated from nursing school 22 years ago. I just renewed my annual policy last week. It was $88.....good coverage.

This is one of those better safe then sorry situations. Hopefully you never have to use the insurance, but if you need it you'll be glad you have it. Even if the hospital provides it, never hurts to have a backup.

Although your legal situation is NOT the same as here your coverage by your employer is based on the same legal principle - vicarious liability. Under this legal principle the employer is legally responsible for the actions of the employee - to a certain degree and ONLY if that employee was following policies and or procedures condoned by the hospital. Now to all those who claim professional indemnity insurance is not neccessary I ask this question - do you know all the policies and procedures of your establishment off by heart?

Also vicarious liability does NOT stop the hospital from in turn sueing you to recoup some at least of it's losses.

Here our Union is also our insurance broker. Used to be we could not GET insurance so they went into the business of insurance coverage - works well few want to argue with a Union.

Malpractice insurance will NEVER stop your heart from beating hard and the emotional toll a lawsuit will take on you.

And malpractice insurance will make you more vulnerable to a lawsuit.

2+2 = 4

malpractice insurance will never stop your heart from beating hard and the emotional toll a lawsuit will take on you.

and malpractice insurance will make you more vulnerable to a lawsuit.

2+2 = 4

but it will stop you from losing your life savings and everything you own. that is enough of a reason to have it for me. do i want to trust the courts? i have seen many frivolous lawsuits make it through. you don't necessarily have to do anything inherently wrong to get sued and lose. if you draw blood, you wear gloves, even though the risk is relatively low of contracting a bbp. same concept. not protecting yourself can end up hurting you bad.