Malpractice insurance??

Thank you. Do you think it's necessary to hold malpractice insurance?

I do NSO. It's cheap, especially for new grads. We're in a very litigious environment. My nursing school instructors strongly recommended -- actually insisted -- that we remember to get it. Peace of mind is worth it.

Save receipts for tax time -- nursing expenses for memberships, insurance, clothes, shoes, equipment, etc can be tax-deductible. So if you haven't started a folder for tax purposes, start one now.

Do you drive a car without auto insurance? Own a home without homeowner's insurance? No? Why would you work in an unbelievably litigious field and not protect yourself? Yes, your empoyer has insurance, but in a lawsuit, the FIRST thing you'll be told is that it is advisable to have your own attorney. Just the retainer for a malpractice atty. can be $25,0000. Your employer's insurance company's first priority is to your employer, you are an "also ran". You absolutely, positively need your own policy, it's cheap, it helps you sleep at night. People can come back and sue decades later, especially if they claim they have only now discovered there harm done to them. And remember, anybody can file a lawsuit for any reason at any time. Doesn't have to have merit to be filed. Would they win a meritless case ? Hopefully not, but you would STILL have to pay an atty to get to that point. Buy the insurance, never let it lapse, never look back.