Malpractice insurance

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I am wondering if I should get my own after I get my license, or if it is better just to practice under the facilities insurance?

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Specializes in Pediatrics, Emergency, Trauma.

Get your own.

Regardless of what "facility insurance" that your facility provides, the best position for you to be in IF (that's a big if) something occurs to have someone looking out on your best interests; having your OWN insurance ensures that the malpractice carrier is looking out for your OWN interest, not the facility.

If you need more reasons why, there are several older thread you can search on this site by using the "Search" feature.

Best Wishes!

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I have always carried my own. The arguments against doing it never made sense to me. That is, until I read this article:

https://allnurses.com/general-nursing-discussion/one-healthcare-risk-999441.html

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Specializes in Psych, Addictions, SOL (Student of Life).

IMHO any nurse who does not carry their own is not being very smart. Especially if you are at a point in life where you own a home or have any savings put away. One lawsuit (Even if you win) can cost you a lot of money. While many hospital's say they will cover you the primary focus of a Hospital's legal team is to protect the hospital.

Hppy

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Specializes in Critical Care, Capacity/Bed Management.

I have always carried my own private , throughout nursing school and now as a staff nurse.

Like a previous poster mentioned. Hospital based malpractice insurance is there to protect the hospital not the individual nurse.

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Specializes in Education, FP, LNC, Forensics, ED, OB.

Welcome to allnurses.com

Threads merged.

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Thanks for all of your input. I have heard so many conflicting things such as: don't carry your own insurance because then they will sue the facility instead of you because you don't have enough money; carry your own and protect yourself. ect...

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From what I understand, you can still be personally sued.

One of our instructors recommended it, as an RN and as a student. I just signed up for my own last weekend. It's $35/year for me, as a student, for good coverage. $99/year as an RN.

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