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Discussion

Malpractice Insurance

Being a new LPN, and working in LTC on the sub-acute wing, I would appreciate it if anyone could give me some sound advice on malpractice insurance.

1-Is it necessary?

2-Can I purchase on-line?

3-How much should I get?

Thanks, appreciate it.....

Featured Replies

  • Admin

Agree with cardiacRN2006

#3 - I carry $1,000,000 / $6,000,000

Most agency nurses are required to have their own malpractice insurance, so, since I do that sort of work on the side, I hae to be sure that my malpractice is active. In spite of that, I still prefer to have my own, because this is a very litigious society that looks for any opportunity to take the pants off of caretakers.

This worries me a bit... Maybe it's a difference of opinion, but most people have told me NOT to get malpractice insurance because it makes you more of a target to be sued individually. Any thoughts?

I figure, if somebody wants to sue, they will sue regardless of whether or not you have insurance.

As for me, personally, the $100 a year I spend on malpractice insurance thru NCO is worth every penny for my peace of mind. :snowflake:

Deb

  • Guides

People don't know before they sue you if you carry insurance. I would not work without it.

  • Experts

Nurses Service Organization offers professional liability insurance for nurses. Click on the blue weblink below to get to their website. It can be purchased online.

http://www.NSO.com

Nurse are becoming more and more a target for being sued. So yes, I carry insurance - NSO.

Yes, there are those that believe that you stand more of chance to get sued if it is known that you have insurance, but I would rather take that chance and CMA.

Thanks for the advice.....I am a new grad with a new job and just feel better about getting this insurance. I pray I will never need it, but better to have and not need, than need and not have.....

I have NSO and have had it as a requirement from my employer. It's a nice peace of mind knowing I have that there IF I ever need it.

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