Malpractice insurance

Published

Do you carry your own even if covered by your employer? Any recommendations for companies? Right now I am looking at NSO and Mercer Proliability who partners with organizations I am a member of. Thanks!

Up Vote Up Vote ×
Specializes in Adult Internal Medicine.

I carry my own in addition to my work's policy.

NSO and US Marsh are the more popular ones.

Up Vote Up Vote ×
Specializes in Nephrology, Cardiology, ER, ICU.

Yep me too - I have had NSO since 1990 when I became an LPN.

Up Vote Up Vote ×
Specializes in Emergency.

Just curious, but don't most employers who carry malpractice include tail coverage? I know it's not required, but I thought most did.

Up Vote Up Vote ×

I currently have NSO for my RN policy but just was looking at other places as it is quite a price difference between the NSO policy and the Mercer Proliability (same coverage amount and occurrence based). About $500 difference per year but I might just stick with NSO if it's the most reputable.

Dumb question... But should I continue to renew my RN policy or will I only need the NP policy now?

My employer does purchase a tail end for the claims made policy but I have decided I think I still want to go ahead and carry my own.

Up Vote Up Vote ×
Specializes in Nephrology, Cardiology, ER, ICU.

Your NP policy covers your NP actions. Are you continuing to work as an RN?

I have a rider to include my volunteer time as a pre hospital RN on my local fire dept.

Up Vote Up Vote ×
Just curious, but don't most employers who carry malpractice include tail coverage? I know it's not required, but I thought most did.

Your employer's policy only covers you if you follow all policies to the letter. So if you make an honest mistake or the facility unjustly accuses you of wrongdoing....you are on your own.

Up Vote Up Vote ×

...sorry, I downloaded the AN app today on my iPhone and didn't realize this was posted in the NP forum. Learning Curve!!!

Up Vote Up Vote ×

Boston - do you happen to know if Marsh and Mercer Proliability are the same company? I saw it posted somewhere else that someone named Marsh but the link went to Proliability. I am torn between continuing with NSO which is what I had for RN or switching to Proliability. The price difference is pretty significant, as I get a discount with Proliablity for being a member of AANP and 10% discount for having a certification. Right now my quote is $1,400 for NSO with $1,000,000/$3,000,000 which includes a 25% discount for new grad, and $1100 for Proliablity with $1,000,000/$6,000,000. Both are occurrence. I'm thinking for the coverage and price I'd prefer to go with Proliability but I want to make sure it's a reputable company. Thanks.

Up Vote Up Vote ×
Specializes in Adult Internal Medicine.

They are the same. Discount for the AANP makes it worthwhile for me which is why I went with them over NSO.

Up Vote Up Vote ×

Same for me. I am finding Proliability is better coverage for much less $$. Thanks.

Up Vote Up Vote ×

I have had NSO since getting my RN 9 years ago. It's about $100/year for my policy.

Up Vote Up Vote ×
+ Join the Discussion