Poll: do you have professional liability insurance?

[SDANG]

If yes, please indicate where you have your professional Liability Insurance (and any contact info - website, etc - for the business)

[Meriwhen, ASN, BSN, MSN, RN]

2 hours ago, amoLucia said:

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.

Even with relatives, unless it's anything beyond basic first aid, I always go with, "but you really should see your PCP" or "what did your PCP say?"

[thinbluelineRN, MSN, NP]

Yep I have NSO- of course the amount jumped from 120 something to 480 something when I went from RN to NP but yes I have Liability Insurance.

[rn&run]

Yes - the renewal reminder came in the mail yesterday and I was literally just wondering "do I really need this?" Thanks for asking the question! Looks like I'll commit to another year of it myself.

[MaryPatricia]

I have NSO.

Im worried because about to be served in a lawsuit and Risk Manager says they will likely go after me when they find out I have MP insurance.

[Lunah, MSN, RN]

1 minute ago, MaryPatricia said:

I have NSO.

Im worried because about to be served in a lawsuit and Risk Manager says they will likely go after me when they find out I have MP insurance.

No, they will go after your insurance so they won't come after you. Think about it as a buffer. And be glad you have it! Just having insurance does not make you a target.

[JBudd, MSN]

Just be sure you notify NSO immediately!

[MaryPatricia]

Thank you. I hope not. A better way of looking at it I guess.

I was the circulator during a GI procedure. Anesthesiologist gave sedation. Pt coded and sustained anoxic brain damage, 2 other RN’s in the room assisting with procedure. We don’t think that we ( the Rn’s) were at fault.

[Asystole RN]

On 5/12/2019 at 5:23 AM, mindlor said:

Nope,

Many lawyers have told me that as long as a nurse practices within policy this is not needed.

Having said policy will make a lawyer more likely to come after you....why not tap that piggy bank?

LOL. You need new lawyers then.

Lots of case law where the nurse did everything 100% correct and still lost the lawsuit.

My favorite is when a nurse took an alert and oriented patient to the commode, gave her the call light, instructed her to use the call button to call the nurse, and then waited outside for patient privacy.

Patient acknowledges all of this, all of this was within policy, patient admits to not following the nurse's instructions.

Nurse was found 10% at fault because at the end of the day she is a tiny bit responsible for her patient so she only had to pay 10% of the medical expenses which grossed over $800,000. I personally do not have $80,000 to spend on something stupid.