malpractice insurance

[LTCNursemidwest]

What is ones thoughts on malpractice insurance?

Has any one needed to use it,

How did they help,

Avg. cost, does it vary by position you are in?

Where would be the best place to purchse from?

[TazziRN, RN]

I get mine from NSO. I've never needed it but I would not want to get caught without it. If something happens your employer may or may not have you represented, but they will not be representing YOU, they will be protecting their own interests. It's not very expensive at all.

[TheCommuter, BSN, RN]

I bought my professional Liability Insurance online through http://www.proliability.com and the cost was $104 for $2 million worth of coverage. Marsh Affinity is the underwriter.

You can also purchase liability insurance through http://www.nso.com but their rates were astronomically high for Texas nurses.

[sister--*]

I get mine from NSO. I've never needed it but I would not want to get caught without it. If something happens your employer may or may not have you represented, but they will not be representing YOU, they will be protecting their own interests. It's not very expensive at all.

NSO here, too!

[HisTreasure, BSN, RN]

Amen to NSO. I don't regret the investment at all, which is comparatively lower than Proliability in my case. $1,000,000.00 per incident/$6,000,000.00 aggregate. I've seen nurses get much higher coverages, but I think this should be good for now.

[NJNursing, ASN, RN]

We're covered by the hospital up to $1 million, but I went to a legalities in nursing conference a few months ago and they always stress to have your own insurance because the hospital lawyers will work just for that- the hospital. I've got NSO for $1 million and it costs me like $94 a year.

[ER06]

I did have NSO and do need to pick it up again, thank-you for the reminder!!! At my hospital, the nurse risk manager/attorney told us in orientation that if we have insurance then the pt will go after us too in addition to the hospital. She was siding with the "can't get blood out of a turnip" theory. However, what is stopping them, if god forbid you were found at fault from taking your house, car and future earnings? This nurse/attorney recomended not having it, but I don't agree with her.