Malpractice insurance

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

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.

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.

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

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.

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

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

I am a FNP with NSO coverage & I plan to change my coverage to adult NP since I work in Addiction treatment & I may return to geriatrics. I plan NOT to see pediatrics. My question, to the Adult NPs, is what is the age range you can legally see?16, 18 ,21 year olds for the youngest???? Is the age range different in different states? I practice in NY state- so what is the youngest age you can see? I have searched the NY board of nursing website and can't seem to find any specific information.

I am also a member of AANP & I see there is a discount with their liability insurance--is that a 1 year discount or a continuing discount?

Thanks for the help.