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Discussion

Personal Insurance??

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.:uhoh3:

Featured Replies

  • Expert

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.

  • Author

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

  • Expert

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).

  • Author

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?

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