malpractice insurance?


Hi, I am new to nursing and to this website. I have been a nurse on a general medicine floor for 2 months...I have no idea how I graduated nursing school with A's and B's because every shift I work just reinforces that I know NOTHING. I was just wondering if anyone had any advice on nurse . Should I get it? What is the average cost? How do I go about getting it, is there one that is better than another? Thank you for any advice you may have.


1,229 Posts

Specializes in Emergency.

im not going to be too helpful but id say get it. it just makes life a little easier.

I was wondering the same thing. Since the economy is doing so bad I'm sure more people are looking for reasons to sue for malpractice.


136 Posts

Specializes in public health, heme/onc, research. Has 7 years experience.

it's very affordable and they have a new grad rate


38,333 Posts

No nurse should be practicing without personal . You can learn about it at the site of one provider: Very reasonable in cost, around $100/yr. They have a link on the website that gives case studies of lawsuits involving nurses. Good reading.

NeoNurseTX, RN

1,803 Posts

Specializes in NICU Level III.

ooh that reminds me i need to renew mine.

Has 26 years experience.

There are many threads about . If you look up in the upper right hand corner of this screen, you will see a google powered search box. Put your question in there and Pesto! All the threads will show up!


30 Posts

Specializes in ER. Has 6 years experience.

i went through NSO during nursing school and now I'm working and haven't renewed it yet. i'm curious what other organizations offer . i haven't heard of any others and most of the nurses i work with just use the one the hospital offers.


Mimi2RN, ASN, RN

1,142 Posts

Specializes in NICU. Has 27 years experience.

They may think that they are using the one the hospital offers, but I don't believe that any hospital would really take care of the nurses if they had a choice!

For less than $100 a year, it's worth it for piece of mind.

Please read some of the old threads, too.


38,333 Posts

Another provider is There are others found in an internet search. But NSO and HPSO are the main ones and I thought I saw somewhere that they are actually the same. Not sure of that though.


106 Posts

Has 7 years experience.

I've carried my own through NSO since I was a student. Hospitals say that they will cover you, but do you really trust them? I think many hospitals would throw a nurse right under the bus to save their own butts.

Bella RN, BSN

261 Posts

Specializes in ICU/CCU/Oncology/CSU/Managed Care/ Case Management. Has 22 years experience.

Definitely get it!! :up:I have NSO and it is well worth it. This society is very letigious and you don't want to get caught up with that.

Most teaching hospitals have immunity for their employers--the one I worked for was Up to $150,000 but most law suits want more so if you don't have insurance they will go after your assets. And non teaching hospitals forget it...they WILL NOT care what happens to the nurse. They care about Press and what fines and slander against them which means possible loss of profit--basically nurses are replaceable but their corporation is not.

I was talking with an medical malpractice attorney recently and asked him what his thoughts were on this topic. I have heard some nurse say "Oh i dont have anything and a lawyer goes after the one that is making the big bucks" Well the attorney told me that is FALSE...He said regrettably 80% of nurses he had to represent had NO and STILL got sued and lost the very valuables they worked hard for and received discplinary actions against them in some instances.

He said the 20% that have the insurance are bright because you pay a nominal fee a year for something that could possibly protect you and your livlihood. After that discussion--I was like sign me up for NSO baby!!:D

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