Malpractice insurance

i use nso: www.nso.com

you should compare the two policies offered, ena and nso (or others).

reasons why to carry malpractice insurance:

overdose of magnesium sulfate kills 18 mom in labor

if your license is disciplined

reinstated license after suspension

falsely accused of a hipaa violation

basic rationale to carry individual liability insurance policy:

all malpractice insurance policies have limits of liability. other defendants employed at your entity may and probably do share your liability limits under the same policy. if you, as well as others, are named in a suit, your legal costs, including any settlement, could exceed your employer's shared liability limits. this would mean out-of-pocket expense(s) for you.

i am a strong advocate for individual policies. small price to pay for peace of mind.

You are very welcome.

relying on the hospital to cover you is a dangerous thing - their interests may not always coincide with yours.

In fact, I guarantee you that, eventually, the day will come when an employer's interests do not coincide with yours. My father, a physician, advised me when I was in nursing school to never practice without my own liability coverage, and everything I've seen over the >20 years I've been in nursing has only reinforced the value of that advice. I would never consider working a day without my own coverage.

I have always had NSO - since 1990! I only had one occasion to use it - for referral to a lawyer but it paid for itself in that one day.

Would never, ever practice without it. However, would never ever advertise the fact that I have it either.

I've always carried my own (NSO). I do things like stop at roadside accidents, be the first aider for my various Scout troops, etc. My hospital covers me at work, but what if they decide I did something contrary to policy?

I look out for myself while I look out for others.