Personal Insurance??

[fiestygirl]

Please help. I have received such mixed messages about obtaining personal insurance. Some professors told me to get the insurance, while others say never to get insurance or else patients go after you....

Also, if I want to get insurance who should I go through in the Philadelphia area??

Thanks in advance for any advice.

[elkpark]

There are numerous older threads here that discuss the pros and (supposed) cons of carrying your own Liability Insurance -- you will get a lot of info and opinions if you search and review them.

[sirI, MSN, APRN, NP]

excellent threads on this topic:

liability/malpractice insurance:

carrying my own malpractice insurance?

liability/malpractice insurance?

malpractice insurance?

where do i get lvn/lpn malpractice insurance?

reasons why to carry malpractice insurance:

overdose of magnesium sulfate kills 18 mom in labor

if your license is disciplined

reinstated license after suspension

falsely accused of a hipaa violation

[fiestygirl]

Thanks Siri. Does anyone know of any insurance providers in the Philadelphia area? Around how much does it cost?

[elkpark]

Most of the companies that offer liability coverage for nurses advertise in the various nursing journals. NSO (Nurses Service Organization) and Marsh are two companies that have been around a long time. The insurance companies are national, but annual premiums may vary slightly from state to state. For generalist nurses (not NPs, midwives, etc.; just "regular" nurses), the premium is usually somewhere in the neighborhood of $100/year (depending, again, on your particular location).

[NRSKarenRN, BSN, RN]

NSO is in Horsham bucks County, just few miles from Philly if you want local co. I started with them as LPN. Past 25 years had Marsh/Seabury via ANA.

This question often asked...see this Career Advice thead too:

? Get Malpractice: Importance of Professional Liability Insurance in Managing Risk

[fiestygirl]

Thank you. I am calling around today. On another thread that someone recommended I read. I saw that someone advised not reporting having insurance to your employer. Do they regularly ask? How legal is this?