Malpractice Insurance

[Orion81RN]

I was uncertain where to post this, so under general nursing, here it is. I've been a nurse for 5 years and recently had a scare that got my butt in gear to finally purchase malpractice, Liability Insurance. I'm in the Chicagoland area. Brand new to looking into this. Any suggestions on companies to go with?

Edit: Answered my own question when I saw "liability insurance" underlined and clicked on it.

[RiskManager]

https://allnurses.com/general-nursing...sk-999441.html

^^^I generally recommend the CNA policy most commonly sold by NSO. The Liberty Mutual policy sold by ProLiability is also an option as is the MedPro policy sold by affinity marketing on this site, but CNA has the largest market share by far. Just make an informed decision on what you are buying, and realize that the policy is written such that it will only very rarely cover you for malpractice, if you are a nurse employed by a hospital or other facility. If your state has an aggressive BON that files many complaints, this is an argument for buying a policy. Bear in mind that the policy provides up to $ 25,000 legal reimbursement for BON complaints filed against your license. There is no coverage nor legal reimbursement for BON investigations; it has to be an actual complaint filed against your license for the licensure defense coverage to apply.

Many people buy the policy because they think that if they are involved in a malpractice claim or licensure action, the insurance company will automatically provide them with an attorney or legal defense, and this simply is not true. Coverage is triggered only in very specific circumstances. I have spoken at length about this, so you can search on my posts for details. Be wary of risk management advice from someone with no actual training or experience in the profession.

[Med Surg RN, BSN, RN]

NSO. It's like $100 a year for nurses. That's the most common malpractice policy purchased by nurses. And you should definitely have your own malpractice insurance. If anything happens, the employer will look to protect themselves first, (and possibly place all blame on staff), so you need to protect yourself no matter what.