Malpractice Insurance?

lovingtheunloved, ASN, RN · Feb 17, 2005

I work with a nurse who has a $1 million policy. She says that part of why she has it is because in LTC she's got a million CNAs working under her license. And we all know how brilliant some of them are.

elkpark · Feb 17, 2005

There are several older threads on this post that discuss the pros and cons of individual Liability Insurance, that you may want to search and review.

Peg804 · Mar 3, 2005

For you own piece mind you have to have your own Liability Insurance. If something happens and there is a lawsuit, everyone will be named, and who do you think your employer will be most concerned with??? Not the lowly nurse not matter what they say. You have to protect yourself. I have always carried insurance, it is not that expensive, and it is well worth it. I do not know of any site that lists individuals who have had lawsuits. Some state nursing boards post loss of licenses. Hope this helps

CharlieRN · May 21, 2005

I have been an RN since 1979. I have never been sued but I have always been covered by my own malpractice insurance. Make sure it is coverage that covers you for anything that happened during the time you were insured, not coverage for being sued during the period of being insured. Malpractice actions may be initiated up to 3 yrs after the date of occurence and malpractice lawyers encourage their clients to wait so that you will be hard put to remember details. If you have the second type coverage, you could have changed insurance company in the mean time and find that the current insurer will not cover and neither will the old one.

Malpractice ins generally is cheap enough.