Published
Yes. NSO. Every single nurse should have their own malpractice insurance. The hospital won't protect you and the union may not protect you-if you even have one. It is well worth the money and it's very reasonable!
My father, who was a physician, advised me 'waayyyyy back when I was in nursing school in the Dark Ages that I should never work without my own insurance, and I should never count on an employer to protect my interests. Everything I've seen in my nursing career over the last 30+ yrs has just demonstrated to me what good advice that was.
I have malpractice insurance. I'm insured through State Farm, up to 1.5mil, reasonable rate.
Blame the anti-corporatist in me, but I don't trust any large employer to have my back. Add that to the increasingly litigious society, and I like to have that little peace of mind.
Ymmv. Only you can decide if you need/want it. I'm in the minority on my floor, but many of the nurses haven't given it much thought.
PCnurse88
182 Posts
One of my fellow colleagues who also is new to the hospital struck up a conversation about malpractice insurance. She explained that she had hers through NSO, but that she only got it once she started working in the ED (started on inpatient psych, I believe, then ED, and now medsurg). A lot of the other nurses on my floor don't have any, but couldn't give me a reason why.
Do any of you carry malpractice insurance and if so, through who?