New grad Can anyone advise me where to obtain personal malpractice insurance from?

Mithrah · Jul 18, 2004

You may want to first ask the hospital you are going to work for if they recommend you getting your own insurance. My employer provides us with insurance and does NOT recommend that we get our own.

ksfrn66 · Jul 18, 2004

Please! Please! Do not bother to ask your employer if you need your own malpractice insurance! That is like asking the fox to watch the hen house.

Everyone should have their own malpractice insurance....some nurses tend to believe that if you are named in a lawsuit that the attorneys will "go after" your becuz you have insurance - nonsense. Nurses are rarely named in a suit - the attorneys go after the big bux. It costs a mere $74-80 bux a year and is money well spent. The hospital offers no guarantee that it will cover you. It has been known to happen that the hospital turns around a sues the nurse if they lose the lawsuit. THERE IS NO RESPONDEAT SUPERIOR!!!!! - even if you follow policy you are still not safe.

There, let me climb off my soapbox now.

zambezi, BSN, RN · Jul 18, 2004

http://www.nso.com

they usually have their little ads in any nursing magazine and you can probably also ask your SBON when they recommend.

suzanne4, RN · Jul 18, 2004

An employer can tell you what ever they want, but if you need legal assistance, where do you want it coming from? From someone the hospital has under their wing, or someone that you have hired. Luckily I have never needed it, but would not consider working in the US without it.

Call it "piece of mind" insurance.

I also recommend http://www.nso.com.

suzanne4, RN · Jul 18, 2004

You may want to first ask the hospital you are going to work for if they recommend you getting your own insurance. My employer provides us with insurance and does NOT recommend that we get our own.

All I can say is that you must be a brand new nurse!

J Lynn · Jul 18, 2004

Thanks for the link. I just read that NSO gives nurses a 50% discount if you graduated within the last 12 months.

J Lynn · Jul 18, 2004

I plugged in the liability amount 1,000,000/6,000,000 and got a quote of only $45 annual premium. That's with the new grad discount. How can any new nurse not afford this?

zambezi, BSN, RN · Jul 19, 2004

After your first year at the $45 rate, it only bumps up to $89--still pretty affordable...

mscsrjhm · Jul 19, 2004

Please! Please! Do not bother to ask your employer if you need your own malpractice insurance! That is like asking the fox to watch the hen house.
Everyone should have their own malpractice insurance....some nurses tend to believe that if you are named in a lawsuit that the attorneys will "go after" your becuz you have insurance - nonsense. Nurses are rarely named in a suit - the attorneys go after the big bux. It costs a mere $74-80 bux a year and is money well spent. The hospital offers no guarantee that it will cover you. It has been known to happen that the hospital turns around a sues the nurse if they lose the lawsuit. THERE IS NO RESPONDEAT SUPERIOR!!!!! - even if you follow policy you are still not safe.
There, let me climb off my soapbox now.

Again, I have to speak up. Hate to see money taken from hardworking nurses.

Please read all the threads before making a decision. Check with people who have experience in both nursing and legal issues.

Yes, attorneys go after the insurance money. Your 80$ a year will assure you a place in any lawsuit that your name might appear in. They will drop your name eventually if you do not have insurance.

The hospital has insurance that covers you. (The circumstances leading to a hospital suing an employee... astronomical odds.)

Do not compare malpractice insurance with homeowners or auto... entirely different things.

Having worked for med-mal/neglect attorneys... I will NEVER carry insurance. The facility carries the insurance covering employees actions. That is what their insurance is for.

I am very angered at the propoganda mill taking money from my comrades.

KSFRN66 said "some nurses tend to believe that if you are named in a lawsuit that the attorneys will "go after" your becuz you have insurance - nonsense."

It is not nonsense. Witnessed it with my own eyes, typed it with these fingers, watched attorneys get very, very happy finding nurses carrying insurance.

Insurance companies have major money. Who do you think is behind the myths and stories? Who do you think publishes that one case in a billion?