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Discussion

Malpractice Insurance?

Hello, I am a new LPN. I just got my license a few days ago and am in the process of searching for a job. Money is VERY tight for myself right now (4 kids, youngest 2 months, hubby only one working), but I do know that I will need to get malpractice insurance at some point ASAP when I start working. How much does it generally cost? Is there money I need to put down to buy it, or does it just get billed monthly? Thanks for your help in advance.

~Missy

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http://www.nso.com/ Around $50 ttl for the whole yr!!!

I second this!! Great insurer.

as a new grad when should or should you look into malpractice insurance???

as a new grad when should or should you look into malpractice insurance???

Immediately, and yes.

  • Experts

NSO and Marsh are the two companies specifically dealing with nursing liability insurance that I have heard mentioned most often (I have my coverage through Marsh). Some people on this board have mentioned that they have coverage through a rider on their homeowner's insurance but I have no idea how that works -- I've always been most comfortable dealing with a company that specializes in dealing with nursing liability.

Go through NSO. They have great rates for new grads. When you do get covered just make sure that you don't tell anybody not even coworkers that you have it though.

"When you do get covered just make sure that you don't tell anybody not even coworkers that you have it though."

Why? I can't imagine starting that conversation, but if a co-worker was talking about it and I had something to add, I would. Our profs at school encouraged us to get insurance.

When you do get covered just make sure that you don't tell anybody not even coworkers that you have it though.

Why? I can't imagine starting that conversation but if a co-worker was talking about it and I had something to add, I can't think of any reason to withhold info that I had insurance. When I was in school, the profs told us numerous times to get our own liability insurance.

  • Experts

I don't really understand the whole paranoia about keeping your coverage a secret. I don't wear a lapel button at work saying, "Ask me about my malpractice insurance," but I wouldn't lie about it if asked, and I don't see why it's so important to be secretive about it (we've had people post here in the past warning us to not even let our spouses know whether or not we have insurance :uhoh21:). In my experience, if a situation/incident/outcome justifies a lawsuit, the plaintiff's attorney will include everyone even remotely involved in the suit, whether you have insurance or not. In this day and age, no one takes sympathy, or doesn't bother with, anyone because they don't have insurance, so I don't see how it makes any difference.

  • Experts
as a new grad when should or should you look into malpractice insurance???

IMO...the minute you get your license from the state BON. In fact, get it the minute you graduate--that's what I did, even though the license came a month later and the job two months after that. (I was (and still am) volunteering at a free clinic in the meantime). I figured having the insurance settled was one less thing for me to worry about.

As far as the whole "don't tell thing", I don't advertise the fact I have it...but if someone asks me I'll tell them I have it. Not surprisingly, no one has asked :chuckle

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