Nursing Insurance

[cwuthers]

I had Nursing insurance throughout school which has expired- should I renew this insurance as an RN instead of as a student? Or does the place you work for provide you with malpractice insurance? (I start my 1st new RN job on Monday).

Any informaiton or advice?

Thanks.:typing

[sirI, MSN, APRN, NP]

I always advise the nurse to take out Liability Insurance. I have used http://www.nso.com for years. If you are within the first year of graduation, your first year premium will be reduced.

[TheCommuter, BSN, RN]

here's this gem from one of the site's administrators:

congratulations on passing nclex. good to read of your desire to protect your hard-earned license.

to answer your questions:

1. is the liability/malpractice insurance your hospital/facility provides enough coverage?

no, it is not. read below.

2. would you suggest purchasing your own policy as well?

definitely. i am a strong advocate for this.

3. where would i find a legitimate company to provide said insurance?

go to http://www.nso.com for a free quote. in alabama, the rates for rn are $98/year. i've used nso for years.

per nso, you can qualify for a discounted first year rate:

your graduation date must be within 12 months of your requested effective date in order to be eligible for the first year graduate discount.

4. how much is enough?

i advise $1,000,000/$6,000,000

5. how expensive is it?

see above

6. since i am very new at this is there any other questions or info i would need concerning this topic?

see below

all malpractice insurance policies have limits of liability. other defendants employed at your entity may and probably do share your liability limits under the same policy. if you, as well as others, are named in a suit, your legal costs, including any settlement, could exceed your employer's shared liability limits. this would mean out-of-pocket expense(s) for you.

[BEDPAN76]

2 words. NSO.COM Go to their site and check it out. Been RN for 32 years, haven't (and wouldn"t) practiced a day without it...

[Batman24]

I wouldn't step foot into a facility without my own insurance. Definitely get it.

[Jolie, BSN]

You might want to read the thread in the nursing news section on the patient who died minutes after leaving the hospital, resulting in a multi-million dollar judgment against his nurse.

Patient Dies Just Out Of The Hospital: Jury Blames The Discharge Nurse

https://allnurses.com/forums/f195/patient-dies-just-out-hospital-jury-blames-discharge-nurse-342486.html