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Poll: do you have professional liability insurance?

Nurses   (1,057 Views 27 Comments)
by SDANG SDANG (New Member) New Member

506 Visitors; 13 Posts

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Poll: do you have professional liability insurance?

  1. 1. Do you have professional liability insurance?

    • yes (please indicate what insurance you have and where)
    • no
    • I'm still a student, in the process of looking into it

39 members have participated

Leader25 has 35 years experience.

2 Followers; 4,451 Visitors; 752 Posts

On 5/12/2019 at 3:22 PM, morelostthanfound said:

 Administrators' and corporate attorneys' first priority is not in protecting their employees- it's damage control and doing just about whatever to avoid paying out a multi-million dollar settlement.  Don't be so naive to think they wouldn't do it to you in a heartbeat.  All that "adhering to policy...protection" is mostly ********** that is much softer that the harsh reality.

I want to add,Have you ever found a clear cut policy on something when you have needed it?! All vague and leave room for "interpretation",take for example controversial topic such as age of viability in a preterm ,do you revive, ignore,place in separate room,comfort care,morgue or lab ?

Hospitals do borderline legal stuff and leave the nurse to take the blame.

NSO since school,required when I did home care for a period,never leave home with out it...:))

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CapeCodMermaid has 30+ years experience and works as a DNS.

1 Follower; 59,450 Visitors; 6,030 Posts

Yes. I got it the day I graduated. NSO - a million dollar policy costs $130/yr. Many of the travel agencies require all their nurses have insurance.

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GTRN- Pmhnp has 5 years experience as a ASN and works as a Addictions Nurse and PMHNP Student.

168 Visitors; 16 Posts

Of course I have insurance. Provided through NSO. You can never be too safe. It was highly recommended by my nursing faculty when I graduated

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NRSKarenRN has 40 years experience as a BSN and works as a Registered Nurse, Home Health.

5 Followers; 9 Articles; 159,679 Visitors; 14,438 Posts

Just like I have automobile and home owners insurance, I have professional liability through CM&F --$113/yr, renewed annually since 1982.  Coverage is for $2,000,000/$6,000,000 , includes HIPAA rider and BON representation.  As homecare RN accepting orders from physicians in 3 states, have peace of mind that  MY interests, not employers will be represented.  Seen too many stories posted at AN to be without coverage.

sirI , legal nurse consultant has posted excellent article:

Should I Carry Nursing Malpractice (Liability) Insurance .

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BiscuitRN has 4 years experience as a BSN, RN and works as a School Nurse.

1,810 Visitors; 413 Posts

NSO Insurance.  I'm a school nurse.  I like to cover my behind.

Also to note, there is a theory that goes around that having liability insurance makes you more likely to be sued.  This is false.  Nursing liability insurance is not public information.  Unless you're somehow communicating that you have liability insurance to everyone around, then there is no way for anyone to know and then sue you.

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GSDlvrRN has 4 years experience as a BSN and works as a RN.

1,187 Visitors; 67 Posts

On 5/12/2019 at 9:30 AM, hppygr8ful said:

I have Nurses Service Organization California one million dollar rider which protects me and mine. 

Hppy

Same here!

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JBudd has 38 years experience as a MSN and works as a ED nurse, community college adjunct faculty.

2 Followers; 1 Article; 35,103 Visitors; 3,703 Posts

NSO for me too, for all my 38 years.  Been deposed twice, but didn't have to defend in court.  I like the feeling of my safety net.

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506 Visitors; 13 Posts

Thank you all for your input. I just bought a house and have been getting to know my neighbors, many who say they are "glad there is a nurse" in the neighborhood, just in case....

eek!

I just worry if someone would need help, if they wouldn't be happy with whatever I help with, you know

.... and I volunteered at my church and said I would happy to help in any way needed....they ask for your occupation on the volunteer application, so being a nurse they wanted me to be a "first aid emergency" person at one service per month or something. I declined, worried about people suing and so forth.... but if I had insurance maybe i could actually do that without worrying as much about it.

I'll look into those two companies listed here! thank you all 🙂

 

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ruby_jane has 10 years experience as a BSN, RN.

3 Followers; 7,972 Visitors; 2,253 Posts

1 hour ago, SDANG said:

Thank you all for your input. I just bought a house and have been getting to know my neighbors, many who say they are "glad there is a nurse" in the neighborhood, just in case....

eek!

I just worry if someone would need help, if they wouldn't be happy with whatever I help with, you know

.... and I volunteered at my church and said I would happy to help in any way needed....they ask for your occupation on the volunteer application, so being a nurse they wanted me to be a "first aid emergency" person at one service per month or something. I declined, worried about people suing and so forth.... but if I had insurance maybe i could actually do that without worrying as much about it.

l

 

If you're working as a good Samaritan (check your state law) then you are not held liable (unless you really show poor nursing judgment). I always respond the the neighbor visit with "What does your doctor say" or "Yes, that needs to be seen." Most of the time my neighbors are assessing severity - like, does this need to be seen in the clinic now or can it wait?

Re: church- EXCELLENT question. I would ask if the church has liability insurance for lay leadership. Many pastoral care nurses go above and beyond for their congregations. One year I helped out taking BPs and realized that because I had no MD to refer these folks to that I didn't feel comfortable formally screening with no mechanism to ensure further assessment and treatment. 

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Jedrnurse has 25 years experience as a BSN, RN and works as a school nurse.

11,322 Visitors; 1,164 Posts

This is a frequently posed topic on Allnurses; you can find a multitude of previous responses if you want more feedback.

Bottom line is that you should carry malpractice insurance. Period.

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45,303 Visitors; 5,009 Posts

You pose 2 intriguing situations.

I remember an occasion where the speaker recommended that nurses really REFRAIN from giving advice to neighbors. Yes, you're just trying to be helpful, but if things go south for the neighbor, the first words out of that mouth will be "well, my neighbor, THE NURSE, said ...". And you're sunk. You are just as responsible for anything and everything you assess and recommend when out in such a casual environment as you would be in a work situation. I even use EXTREME caution when dealing with relatives.

For similar reasons, I hesitate re the church 'volunteer' situations. Unless they have some kind of insurance 'rider' on their formal policy (and I have my own copy) I would decline. I doubt they would want to include extra charges for 'volunteer'  activities.

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Meriwhen is a ASN, BSN, RN and works as a Psychiatric sheep...er, nurse.

2 Followers; 4 Articles; 59,026 Visitors; 7,855 Posts

NSO.  Should something happen (God forbid), I don't trust any employer to have my back.  I'm sure that they would protect me to a point...but if it ever came down to an employer choosing between what's best for them versus what's best for me, I know I'm getting thrown under the bus.  And I can't blame them because if it were me making that decision, I'd do the same thing to them.

So I'd rather have the peace of mind knowing that if I ever needed it, I have someone who would be fighting to protect ONLY me. 

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