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Malpractice insurance

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Rose_Queen, BSN, MSN, RN

Specializes in OR, education. Has 16 years experience.

Here's an older post with a wealth of opinions.

Here's another more recent with links to other threads.

I personally dropped my outside malpractice insurance when I moved out of direct care nursing.

Jeckrn1, ADN, BSN

Specializes in Operating room, ER, Home Health. Has 22 years experience.

When I was completely my BSN we had a risk manager from a large hospital system in WNY. She stated that if you get your own malpractice insurance and are involved in a case your insurance will be primary and you will be on your own. 

Julie

Specializes in Sm Bus Mgmt, Operations, Planning, HR, Coaching. Has 39 years experience.

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Silver_Rik, ASN, RN

Specializes in Perioperative / RN Circulator. Has 1 years experience.

13 hours ago, Jeckrn1 said:

When I was completely my BSN we had a risk manager from a large hospital system in WNY. She stated that if you get your own malpractice insurance and are involved in a case your insurance will be primary and you will be on your own. 

I’m not saying the advice is wrong, or there’s any motivation to say something not in your best interest; but I wouldn’t fully trust a hospital’s risk manager on this.  Their job is ultimately to protect the hospital from risk and liability.

The way I understand (and could be wrong) is that if you are just caught up in a case because the plaintiff’s attorney names everyone on staff who cared for the patient you are fine with being defended by the hospital.  But if there is any question that you actually made a mistake, broke a policy, worked outside of scope of practice you might find yourself thrown under the bus by the facility’s carrier and attorneys.  
 

Also your employer’s insurance won’t provide you with an attorney and coverage to hire expert witnesses someone files a complaint against you with the board of nursing.