malpractice insurance?

Nurses General Nursing

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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.

Specializes in Nephrology, Cardiology, ER, ICU.

Nurse can and are sued! Get it - peace of mind is worth it.

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Specializes in medical.

I agree. I had the same dilemma to purchase or not, because even our DON said : no, you don't need a malpractice insurance since you are covered by the hospital.Some coworkers have it, some dont. But after reading and getting a great advice from nurses on this website, I went ahead and got my malpractice insurance and have a piece of mind since then, it's cheap ( about 100$ year) and I feel calmer. So go ahead and get it!

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.

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Specializes in Trauma, Tele, Neuro, Med-Surg.

I had mine with CM&F, because NSO offered a FAR reduced amount for Texas nurses (CM&F offered what NSO did for the rest of the country). However, CM&F is backed by AIG, which is of course in trouble now. Also, they were terrible at answering my emails and phone calls when I changed specialities and wanted to know if they needed to know this. So, it's time for me to renew and I'm thinking I'm going to go with NSO, even though they offer much less coverage for Texas. Anyone have any thoughts on that? What about you Texas nurses??

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Specializes in Education, FP, LNC, Forensics, ED, OB.

I am a strong advocate for nurses securing .

Please check out the blog:

Medical-Legal Argot: Litigious Areas of Nursing and the Nurse's Liability

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Think about this...you insure everything of value to you...your house, your car, your jewelry, your boat, even trips have insurance policies. Why would anyone NOT insure their career, the monetary source of all of the aforementioned things?

So, yes, I'd strongly encourage you to get . One of the best investments that you'll ever purchase and hopefully never use. But $98 annually is far less than 1-2 million dollars in a lawsuit.

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Thank you for all the advice...I just signed up for NSO on line!

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Specializes in Psych, Med-Surg.

I am really confused about the nursing insurance. I was told by a nurse that a pt wants to sue, his attorney can put in the RNs license # and see if he/she has personal insurance. That way if you do, you become more of a target. Right now, I own only an old car. I am not married. So I don't know if it's worth it for me to take that chance... Thoughts?

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Specializes in NICU Level III.
I had mine with CM&F, because NSO offered a FAR reduced amount for Texas nurses (CM&F offered what NSO did for the rest of the country). However, CM&F is backed by AIG, which is of course in trouble now. Also, they were terrible at answering my emails and phone calls when I changed specialities and wanted to know if they needed to know this. So, it's time for me to renew and I'm thinking I'm going to go with NSO, even though they offer much less coverage for Texas. Anyone have any thoughts on that? What about you Texas nurses??

I have mine through NSO and am not thrilled with the coverage...plus the much higher price..but they seem to be the most reputable..

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Specializes in School Nursing.

malpractice insurance......"don't leave home without it" !! :coollook: really !

praiser :heartbeat

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Specializes in OB, ER.

Has anyone ever had to use their NSO insurance. I'm just wondering how user friendly it is if it's needed.

Also is it retroactive. I've been a nurse for several years without insurance. If I get it now and am sued for something that happened last year would I still be covered?

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Specializes in Acute Care Cardiac, Education, Prof Practice.
http://www.nso.com/

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

Exactly what I was going to say.

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Has anyone ever had to use their NSO insurance. I'm just wondering how user friendly it is if it's needed.

Also is it retroactive. I've been a nurse for several years without insurance. If I get it now and am sued for something that happened last year would I still be covered?

Go to the http://www.nso.com site and look for info explaining the difference between occurrence and the other type of coverage. This will answer your question about previous events. If you call or email the site, someone will be able to help you. You should get the insurance, it is worth the peace of mind. When I was involved in a lawsuit, my insurance would have picked up when the law firm for the employer stopped representing me. You always need to cover yourself because you can't count on your employer.

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