Malpractice insurance

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Specializes in L&D, infusion, urology.

Finally earned GN status (yay!), and waiting for CA to get their you-know-what together so I can take my boards, but I wanted to start shopping for . I'll do some research on Google, of course, but I wanted your input if you have had good or bad experiences with any particular company or plan. Not sure if it matters, but I'm in CA. Thanks in advance!

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Specializes in OR, Nursing Professional Development.

I use NSO, have since I graduated mumble years ago. Reasonable prices, and when I first bought the policy, they had a pretty decent discount for new grads. Over the several years, the cost of the policy has increased about $2-$3 dollars for the same coverage.

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I *believe* you are going to find the great majority of nurses use NSO, and it's inexpensive if you choose to go that route (just over a hundred bucks a year).

Some have riders/inclusions in their homeowners insurance that covers professional liability....just read the policy carefully before assuming it's what you want/need.

Lastly.....not everyone gets this coverage, and there's LOTS of threads on this site on the debate for and against professional . Those that have it tend to feel very strongly that it's crazy to go without....and those that don't will also feel quite sure that it's a waste of money.

Choices, choices :)

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Specializes in Complex pedi to LTC/SA & now a manager.

The two major options are NSO (what I have, includes coverage for years post incident, even has coverage if a HIPAA claim is made against me as long as I didn't intentionally violate the act) and ProLiability/Marsh. Cost will vary by your location. Both should give you free online quotes. I know NSO offers a 50% discount first year after graduation. Im sure ProLiability offers something similar.

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Specializes in Critical Care, ED, Cath lab, CTPAC,Trauma.

I have had NSO for 35 years.

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Specializes in Psych ICU, addictions.

I use NSO. There is also Mercer, which is endorsed by the ANA.

I see like medical insurance: I hope I never need to use it, but I feel better knowing that it's there. And yes, I'm dropping $10 a month for a service that I (thank God) aren't using...but there's worse things I can waste $10 on. I won't work without it.

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Specializes in L&D, infusion, urology.

Thanks you guys for the input! I definitely feel like it's a small cost for peace of mind, and I certainly hope to never need it, but I'd rather have it in case I do!

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Specializes in retired LTC.
Thanks you guys for the input! I definitely feel like it's a small cost for peace of mind, and I certainly hope to never need it, but I'd rather have it in case I do!
Smart idea. I've said this elsewhere, it's like having auto insurance, homeowner's and health insurances. You hope you never need it, but it's there just in case. And for about $9 a month it's reasonable
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