Malpractice Insurance

U.S.A. Texas

Published

I am a new nurse and I am currently looking around for . I want to know, how much should the insurance I get cover? What are some companies/organizations you recommend?

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The only one I know of is http://www.nso.com. And get the maximum. I think in TX it'll run you a couple of hundred a year. Peace of mind - priceless!

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The other company specializing in nursing professional liability coverage that gets mentioned frequently is Marsh (http://www.proliability.com).

Don't leave home without it ... :)

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Specializes in ICU/CCU/Oncology/CSU/Managed Care/ Case Management.

I am in Florida and plan on relocating to Dallas, I have NSO and it was explained to me that my coverage would decrease while my premium would increase--the company stated that their our higher malpractice suits involving nursing in Texas and the MD's mandated less coverage for nursing so that they would have to pay for a hefty suit if the case goes to court. When that was explained to me I thought that was egregious that MD's can dictated how much or how little nurses can have coverage in one state. The rep for NSO stated Texas is very different on how they look at nurses....she told me off of the record if I get a clinical job its best to stay in Florida because in litigation they eat the nurses alive in the state of Texas....Well I am still in Florida. But that is extremely sad. She quoted me a figure and my premium would double while my coverage decreased by half in comparison to what I am paying. Govenor Perry should look into this. This isn't fair at all for Texas nurses.

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I am in Florida and plan on relocating to Dallas, I have NSO and it was explained to me that my coverage would decrease while my premium would increase--the company stated that their our higher malpractice suits involving nursing in Texas and the MD's mandated less coverage for nursing so that they would have to pay for a hefty suit if the case goes to court. When that was explained to me I thought that was egregious that MD's can dictated how much or how little nurses can have coverage in one state. The rep for NSO stated Texas is very different on how they look at nurses....she told me off of the record if I get a clinical job its best to stay in Florida because in litigation they eat the nurses alive in the state of Texas....Well I am still in Florida. But that is extremely sad. She quoted me a figure and my premium would double while my coverage decreased by half in comparison to what I am paying. Govenor Perry should look into this. This isn't fair at all for Texas nurses.

I've always heard that nursing liability coverage was more expensive in TX than in lots of other states. That seems odd to me, because TX is one of the states that has instituted state "tort reform" (which many people keep touting as the "silver bullet" cure for high insurance and healthcare costs -- you know, it's only all those "frivolous lawsuits" that are causing the problems), and, as I understand, it's supposedly v. hard to actually sue a healthcare provider in TX now. However, your experience certainly suggests that "tort reform" hasn't reduced healthcare costs or malpractice premiums in TX ...

"Several years ago, Texas passed a tough malpractice law that capped pain-and-suffering awards at two hundred and fifty thousand dollars. Didn’t lawsuits go down?

'Practically to zero,' the cardiologist admitted."

http://www.newyorker.com/reporting/2009/06/01/090601fa_fact_gawande?currentPage=all#ixzz0ftxCNXte

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