Nurses malpractice insurance

Nurses New Nurse

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What is the best way to go about getting insurance? How much coverage should a graduate nurse carry?

Specializes in med/surg.

Thanks to the OP for starting this thread... insurance was one thing I wanted to be sure to get & then forgot about it. I just applied to NSO, thank you to whomever posted that info (I think it was several of you).:yeah:

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Specializes in My first yr. as a LVN!.

go with the old saying 'never depend on anyone else but yourself' and watch your back ... only you are the most responsible for your actions, so pay the extra few bucks a year to have your own insurance. Mine I think was only something like 38 bucks a year ... Im sure you make that in an hour pay, so like in nursing school we learn cover your own a**!!!

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Specializes in Tele.

I am a new grad, and I have tons of questions.

should I get the nursing insurance?

I was told by risk management that the hospital covers me, but if I have my own insurance they will go after me if they know I have insurance.

so I don't understand! I am very confused!

I try to go over the p&p of my facility, and follow it whenever the case arises.

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Specializes in Cardiac.

Yes! Get the insurance!

I can't keep up with how much they change our P/Ps. But when I went over them, I was amazed at how different they are from actual practice.

Simple things that don't make sense-like the frequency of dressing changes on Piccs. But we now use a biopatch which decreases the frequency of the changes.

But say I go by our new standard (which hasn't been reflected on our P/P yet) and the pt gets a line infection, and dies.

You've just practiced outside of your p/p, and guess what? The hospital will NOT cover you.

And you will be on your own.

The insurance will also help if you are even in trouble with the BON.

Get it today!

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