Malpractice Insurance

TheCommuter, BSN, RN · Dec 2, 2008

I am an LPN and work part time at a correctional facility, I can't find mal practice insurance, any ideas!

You're going to have a difficult time finding a carrier that would be willing to insure healthcare workers who are employed at correctional facilities. Here's why...

Prisons, jails, and detention centers are hot targets for lawsuits since they tend to be owned by municipalities, counties, states, and the government. Since correctional facilities are owned and operated by local and federal governments, they are viewed as "deep pockets" by the indigent inmate population. In fact, some lawyers only specialize in filing malpractice lawsuits on behalf of imprisoned plaintiffs against the state. Although the vast majority of these lawsuits get dismissed, they still cost a great deal of money to defend. Guess who pays for the filing of these expensive lawsuits? It's the taxpayers, because most malpractice insurers are prudent enough to avoid providing coverage to prison healthcare workers.

Hence, insurers do not want to take the risk of writing a policy for anybody who works in a correctional facility because the likelihood of having to use the malpractice insurance is high.

haunani, BSN, RN · Dec 14, 2008

Yes, State Farm has a policy available. They are the ones I was talking about with the homeowners policy.

I'm glad to hear you're happy with SF in this instance. We have all of our insurance through them (renters, cars, articles policy, heck, even a horse!) and I was planning on going to them when I start school next fall (if I get accepted).