Nursing liability insurance as an endorsement to your homeowner's policy?

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Specializes in Med/Surg, Academics.

Does anyone buy their in this way? I noticed that my homeowner's insurance (large, well-known company with the initials SF ;) ) has an optional "Nursing Professional Liability" endorsement available. I haven't inquired with my agent about the coverage terms and premium, but I was wondering if anyone else gets their coverage this way.

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Specializes in Nephrology, Cardiology, ER, ICU.

Hmmm, I live in the SF state and this is all I found, doesn't mention nurses:

http://www.statefarm.com/insurance/business/professional-liability-insurance.asp

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Specializes in Med/Surg, Academics.

That's weird. It was shown on my most recent homeowner's policy renewal declarations as an optional coverage. I live in Illinois, too.

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depending on the coverage offered you're probably better off with a separate policy - I'd have to see the endorsement terms and conditions to better understand it but it is probably fairly limited...yes I used to be an insurance agent in a former life :)

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That's weird. It was shown on my most recent homeowner's policy renewal declarations as an optional coverage. I live in Illinois, too.

it may be unique to Illinois only - which is why its on your dec page and not on the general website...

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Specializes in Med/Surg, Academics.
depending on the coverage offered you're probably better off with a separate policy - I'd have to see the endorsement terms and conditions to better understand it but it is probably fairly limited...yes I used to be an insurance agent in a former life :)

That's what I suspect, also. I'm not sure if insurance agents would have the endorsement wording available in their offices, so I put the question out there to see how broad a coverage like this might be.

I went to the NSO website, but it won't let me click the descriptions of the coverages for some reason. I don't want to buy a policy or coverage without knowing how broad it is. The nursing-specific policies look like $1M/$6M are the basic umbrella limits.

BTW, I used to work for a P&C company in a former life, too. :)

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That's what I suspect, also. I'm not sure if insurance agents would have the endorsement wording available in their offices, so I put the question out there to see how broad a coverage like this might be.

I went to the NSO website, but it won't let me click the descriptions of the coverages for some reason. I don't want to buy a policy or coverage without knowing how broad it is. The nursing-specific policies look like $1M/$6M are the basic umbrella limits.

BTW, I used to work for a P&C company in a former life, too. :)

cool!! I wasn't trying to insult your intelligence - I had several designations and the hubs is a CPCU so we both understand insurance! You could also try the DOI website for Illinois for specific wording - although you'd probably have to dig through MILES of pages to find it!

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Specializes in Med/Surg, Academics.
cool!! I wasn't trying to insult your intelligence - I had several designations and the hubs is a CPCU so we both understand insurance! You could also try the DOI website for Illinois for specific wording - although you'd probably have to dig through MILES of pages to find it!

No, no, no! I didn't think that at all! Just thought it was cool. No worries! :)

Illinois isn't a promulgated state like Texas or New York, so not sure if the DOI would have the wording. Thanks for the suggestion, though. I'll give it a try.

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I'd be uncomfortable having my homeowners or auto insurance (or any 'asset' insurance) tied in with nursing ... wouldn't want them to have any more info about me than necessary... :eek:

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Specializes in RN, Retired.

It was on our SF renewal here in Washington state as well.

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If this kind of facility are there then it is really good for us. thank you.

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i have this rider thru state farm. it covers my assets, such as my home. i also have a malpractice policy thru NSO.

NSO will cover the nurse in court. but does not cover the nurse for any monetary judgements against h/him. that would perhaps require lien / liquidation of assets. that's what state farm would cover to prevent my losing my assets.

btw, does not cover all expenses r/t a suit.

hope this is helpful.

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