2 part-time jobs= 2 separate malpractice insurances?

Published

If I am to have 2 part-time jobs (family and a specialty) for private offices, am I to have 2 separate ? Also, do you purchase your own malpractice insurance in addition to the one paid for by your employers?

Up Vote Up Vote ×

IMO, a nurse should always purchase their own no matter the employer package. One should check with the nurse registry in their state to determine what the appropriate policy should be. ( ie Most states have limits as to what kind of $ can be brought against a person..so no sense say buying a $10 million dollar liability...when the limit may be $2 million etc..)

I have been a nurse for 31 years...My plan currently costs $99/year.

Commonly Asked Questions About Medical Malpractice Insurance

Up Vote Up Vote ×
Specializes in Nephrology, Cardiology, ER, ICU.

APN is significantly (SIGNIFICANTLY) higher then RN malpractice insurance but infinitely worth it. Yes, you should have (ALWAYS) have your OWN malpractice insurance.

Up Vote Up Vote ×

Now that I am a NP, do I still need to purchase for RN in addition to the one for NP? I do currently have RN malpractice on my own. It is up for renewal soon.

Up Vote Up Vote ×

I would assume that the APN insurance would also cover RN, but you should check with your carrier to make certain.

Up Vote Up Vote ×
If I am to have 2 part-time jobs (family and a specialty) for private offices, am I to have 2 separate malpractice insurance? Also, do you purchase your own malpractice insurance in addition to the one paid for by your employers?

Report both employers when you purchase your insurance. Always carry your own insurance. Your employer's carrier can dump you at any time during litigation. They are not obligated to represent you.

Up Vote Up Vote ×
Specializes in Nephrology, Cardiology, ER, ICU.

However, the reality of malpractice for the APN is that your employer will hang on to you thru the litigation and then dump you if they feel it is warranted. However, most do not dump you as malpractice is way more common for APNs then RNs.

APN insurance does cover RN - however, even if you work as an RN AFTER being licensed as an APN, you are always held to the standard of an APN.

Up Vote Up Vote ×

My personal psych NP malpractice is just under $900 a year.

Up Vote Up Vote ×

It's always a good idea to have your own , in addition to the one provided by your employer. The NSO (Nurse Service Organization) offers reasonably priced plans (around $100 annually). Go to Professional Liability Insurance for nurses, nursing medical malpractice. and send them a message asking if it's necessary that you have two separate plans, or if one would cover you at both employers. Chances are that you'll only need one plan.

Up Vote Up Vote ×

Thank you all for VERY helpful advices.

Up Vote Up Vote ×
+ Join the Discussion