NP Student Malpractice Insurance

Jory, MSN, APRN, CNM · Apr 9, 2013

Malpractice insurance isn't the place to count pennies.

If you get the cheapest you can find, you'll find a policy that has a ton of loopholes that will not protect you the way you need to be protected.

I would find a reputable company.

elkpark · Apr 9, 2013

Do you have coverage now (as an RN)? I suggest you contact the company that is covering you now, explain your situation, and see what they recommend for your circumstances. That's what I did when I was starting a CNS program years ago (my company said I was covered as a student under my existing RN coverage, and there wasn't even an increase in my premiums. Of course, that may be different for NP students).

tryingtohaveitall · Apr 12, 2013

Marsh in Iowa will give you decent nursing malpractice insurance that will cover you as an NP student. I was very pleased with them. They were very helpful.

tryingtohaveitall · Apr 12, 2013

NSO will not cover you as an NP student with your bedside nursing malpractice insurance.

Trauma Columnist · Apr 12, 2013

NSO WILL cover you though as an NP student, you just need to contact them to get this added.

tryingtohaveitall · Apr 14, 2013

NSO WILL cover you though as an NP student you just need to contact them to get this added.[/quote']
They told me differently when I was in school. I had NSO for literally 20 years but left for Marsh who would cover me for no additional cost.

Sha-Sha RN · Apr 14, 2013

I have NSO for my RN malpractice and they cover me for my Np student practice. It costs me almost an add'l $200/ year for the np coverage.

tryingtohaveitall · Apr 14, 2013

Yikes. Maybe that was the issue, marsh cost me less than $100/yr for nursing liability that included NP student.

toasterboy85 · Apr 18, 2013

Insurance is one place that I would not "take the lowest bidder." I work as an FNP for a neurosurgeon and my insurance is about $4000. Mostly because of surgery (RNFA) and small amount of pediatrics.

Find someone who is an expert at insurance, there are multiple flavors of policies out there. I would recommend not going with the "state minimum." My policy is a 1 million / 3 million. I understand that if you are more so in primary practice this would be overkill. Bottom line... Ask a professional, we go to school to help patients, not obtain insurance policies and contracts.

Good luck.