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Discussion

Malpractice Insurance

Hello,

I have my first nursing job where my employer does NOT provide malpractice insurance to employees. I searched prior threads, & the last one like this is from 2003 (outdated, maybe?). Can you recommend a malpractice insurance carrier that is affordable & reputable? I'm ICU if that makes a difference.

Thanks!

-mariebailey

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    • Featured Replies

    NSO runs about $100/yr or so. That's about $8.50 a month. Well worth it to have coverage that covers YOU and YOU alone. They've been around at least since I was in school (the 1970's). And it seems like a gazillion nurses insure with them.

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    I had my coverage added to my homeowners policy for roughly $100 a year--$500,000 coverage--in the midwest.

    It isn't costly, and even if your employer offers coverage, BUY YOUR OWN! Always cover your own behind...:snurse:

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    I heard State Farm is around $100 a year too! I'm gonna see if I can get more info as I am looking myself as a new grad.

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    • Experts

    Marsh (proliability.com) is the other company, besides NSO, that always gets mentioned in these conversations. A number of posters here have mentioned over the years that they have coverage as a rider on their homeowner's insurance, but I am more comfortable dealing with a company that specializes in professional liability coverage for nurses and other health professionals.

    It's not expensive -- get it. Keep it. Even employers who do say that you are covered under their insurance will throw you under the bus to protect the facility in a tight spot. I've seen it happen multiple times.

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    • Experts
    I heard State Farm is around $100 a year too! I'm gonna see if I can get more info as I am looking myself as a new grad.

    Check with NSO and Marsh; I believe they both offer significant discounts for new grads (first year of licensure).

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    Marsh has recently changed to Mercer, at least that is what my renewal statement says. I have always had my own malpractice insurance. The orgaization you work for may cover you but they can turn around and sue you also. I have never had to use it but have always kept my own current policy. Usually around $100.00 year although the cost increases with your speciality areas.

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    I heard State Farm is around $100 a year too! I'm gonna see if I can get more info as I am looking myself as a new grad.

    This is my carrier, and you are correct. It is around $100 a year.

  • Quote
    • Experts
    I had my coverage added to my homeowners policy for roughly $100 a year--$500,000 coverage--in the midwest.

    It isn't costly, and even if your employer offers coverage, BUY YOUR OWN! Always cover your own behind...:snurse:

    I've always been curious; when you purchase coverage as a rider on your homeowner's insurance, does it cover all the same things that the standard nurse professional liability policies (from NSO or Marsh/Mercer) cover, or does it just cover if you are personally sued?

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    You would have to call your agent and inquire. Not all states offer this as an option on homeowners and if they do, there may be some differences in coverage/limits. I carry a separate policy as I don't believe my homeowner's offers it (will be checking it out though). Good article here on what to look for when purchasing a policy. Don't Make These Mistakes When Buying Your Malpractice Insurance!

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