Malpractice/Liability Insurance

klone, MSN, RN · Dec 12, 2022

NSO

dhawk01, ADN, RN · Dec 13, 2022

Thanks for your thoughts. I appreciate it. Have you been with them for a while?

Editorial Team / Moderator · Dec 13, 2022

CM&F, been with them for a few years after they offered discounts to Allnurses members. ?

klone, MSN, RN · Dec 13, 2022

9 hours ago, dhawk01 said:

Thanks for your thoughts. I appreciate it. Have you been with them for a while?

5 years I think?

Hannahbanana, BSN, MSN · Dec 14, 2022

I was with NSO for decades, until I made the move to do legal nurse consulting. Since that's not the practice of nursing as defined by the nurse practice act and the ANA, I didn't need nursing malpractice insurance. I was also a nurse life care planner, and while that is the practice of nursing as far as making assessments and nursing diagnoses, there is no nurse-patient relationship established, and so no nursing malpractice can occur.

The legal nurse consulting association had a speaker in one year from one of the big malpractice insurers to talk about it. He had a lot of excellent examples of how having nuring malpractice insurance benefited nurses doing pt care. We pressed him hard about whether we needed it, asked him for statistics on how many LNC cases he had ever (EVER) paid claims on. After much hemming and hawing came the reluctant answer: one, and that was by a NP who exceeded her authority in giving an opinion as a medical expert in litigation (her atty should have headed this off before she ever set foot in court). We all looked around the room at each other and said to ourselves, "OK, then, there's another $800 I don't need to spend anymore."

My dad insured hospitals for years. he said it was perfectlyu fine to go without my own malpractice insurance ... as long as I was OK with living under a bridge if I lost because I was at fault, or if the hospital insurer who paid for the claim came to recover their costs (which they are entitled to do) from me. Personally. I got the message.