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NSO vs. Proliability

Posted
CollaborateRN CollaborateRN (Member)

I am trying to decide between NSO and Proliability for malpractice insurance.

I am not aware of other companies as of now.

I understand that malpractice insurance has become essential for every nurse, regardless of area of practice, expertise, or experience.

I've looked at both their websites. I am having a tough time choosing. Anybody have any thoughts on that?

Anybody able to speak from experience about either of these companies?

Hi there,

For a few years, I had my insurance with NSO. But, for some reason this past year, I had the hardest time getting them to acknowledge payment with my Mastercard. It was an absolute mess. So just said to heck with it and went with Proliability. Even after almost a year, I am still getting reminders from NSO, that my insurance is going to lapse. I even sent a certified letter to them stating that I had renewed my policy with another company.

Just my two cents...

OklaLPN

Thanks OklaLPN.

Wow! That's odd for a company trying to get more consumers!

Hi there,

For a few years, I had my insurance with NSO. But, for some reason this past year, I had the hardest time getting them to acknowledge payment with my Mastercard. It was an absolute mess. So just said to heck with it and went with Proliability. Even after almost a year, I am still getting reminders from NSO, that my insurance is going to lapse. I even sent a certified letter to them stating that I had renewed my policy with another company.

Just my two cents...

OklaLPN

sirI, MSN, APRN, NP

Specializes in Education, FP, LNC, Forensics, ED, OB. Has 30 years experience.

Have had NSO for years w/o any problem.

Thank you Iris!

Have had NSO for years w/o any problem.

Nccity2002, MSN, RN

Specializes in Trauma/Critical Care. Has 10 years experience.

Hi CollaborateRN,

I recently got a subpoena for a deposition for a case that happened six years ago, when I used to work as a registry. I could not get any help from the hospital where the incident occurred or from my former agency (which had new owners), so I called NSO and they where great in providing me with a lawyer (who used to be a nurse,herself...). My point is, I am very happy with their response. I am sure the other agency is as competent, but please do your research first.

Thank you Nccity2002 :)

Hi CollaborateRN,

I recently got a subpoena for a deposition for a case that happened six years ago, when I used to work as a registry. I could not get any help from the hospital where the incident occurred or from my former agency (which had new owners), so I called NSO and they where great in providing me with a lawyer (who used to be a nurse,herself...). My point is, I am very happy with their response. I am sure the other agency is as competent, but please do your research first.

I've had NSO for years without any problems. They even back dated my policy when I was a month late on my renewal. That left me with no gap in my coverage.

NRSKarenRN, BSN, RN

Specializes in Vents, Telemetry, Home Care, Home infusion. Has 43 years experience.

Been with Proliability/Marsh 25+ years with ANA discount and no renewal issues nor need to call them...yet.

Both companies around 25+ years and considered reliable,

I had coverage with NSO for many years, dropped coverage for a couple years when I wasn't working in nursing, and went with Marsh (Proliability) when I went back to practicing (purely because the premium was a little lower). Haven't ever had a need to use either coverage (knock on wood!! :)), but haven't had a problem with either company.

Whispera, MSN, RN

Specializes in psych, addictions, hospice, education.

I was with NSO for years but when I became a clinical nurse specialist, the yearly rate went up from about 90 a year to almost 900, and Proliability was about 600, so I went with Proliability. However, they gave me a generic nurses' policy and couldn't understand why I needed a policy that covered my new role. I really wasn't sure they understood what I was talking about. The policy said absolutely nothing about my new role, even though when I enrolled there was clearly a difference in rates between the two. Anyway, I figured if this was a problem, I should probably reconsider having their coverage and I went back to NSO without and difficulty from them.

One thing that does bother me about NSO, though, is that I get mailings from them all the time, advertising other things. I bet they spend most of what a generic nurse sends them to pay for all the mailings. I'd rather get a nice magazine once in awhile.

So far I have had a poor experience with NSO. Every time I call there is a wait and they are experiencing heavier call volumes than expected, no matter what time of day it is. I also am on Mountain time so they are closed sometimes when I have called. I leave a message and nobody calls me back. Their lack of responsiveness is concerning.