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Poll: do you have professional liability insurance?

Nurses   (1,059 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

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

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16,992 Visitors; 1,341 Posts

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?

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K+MgSO4 has 12 years experience as a BSN and works as a nurse unit manager.

1 Follower; 21,464 Visitors; 1,515 Posts

I live in Australia, it is required by the national registration body to have PII professional indemnity insurance. Mine is via my union fees.  

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hppygr8ful has 15 years experience and works as a RN - Adolescent Psych.

4 Followers; 31,619 Visitors; 2,659 Posts

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

Hppy

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traumaRUs has 27 years experience as a MSN, APRN and works as a Asst Community Manager @ allnurses.

15 Followers; 134 Articles; 186,521 Visitors; 20,710 Posts

On 5/12/2019 at 6:23 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?

Not true at all. After being personally involved in a suit, yes the hospital or practice will cover you but they will NOT protect you from the BON nor will they represent you. 

Much better to be protected and be covered and not need the coverage. Very few nurses are sued civilly 

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1 Follower; 47,457 Visitors; 2,165 Posts

NSO, with coverage similar to  hppygr8ful.

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morelostthanfound has 27 years experience as a BSN and works as a R.N..

4,839 Visitors; 197 Posts

On 5/12/2019 at 1:31 PM, traumaRUs said:

Not true at all. After being personally involved in a suit, yes the hospital or practice will cover you but they will NOT protect you from the BON nor will they represent you. 

Much better to be protected and be covered and not need the coverage. Very few nurses are sued civilly 

Absolutely true^^^.  Also, if the hospital can find some technicality so that they can somehow pin the blame on an unsuspecting nurse, they will quickly do so.  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.

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ruby_jane has 10 years experience as a BSN, RN.

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

My first school nursing job supervisor said that he would not trust the school board to defend a school nurse and recommended I get coverage.

Turns out that there were some specific areas of his practice which the school board ultimately uncovered and examined...but that advice stuck with me. I would not trust an employer to defend my practice if it is not expedient for them to do so.

Also the time to buy malpractice insurance is before you need it. Mine's about $10 a month. If I skip one fancy coffee beverage a week I have it covered.

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Pixie.RN has 18 years experience as a MSN, RN, EMT-P and works as a ED/Trauma, Educator, IP/Nurse Epidemiologist.

7 Followers; 32 Articles; 126,385 Visitors; 12,939 Posts

I have mine through CM&F. I could probably stop carrying it at this point in my current role, but I still have it at this moment.

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KCMnurse has 33 years experience as a BSN, MSN, RN and works as a Registered Nurse.

1 Article; 7,144 Visitors; 220 Posts

On 5/12/2019 at 6:23 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?

This is just simply not true. Anyone can report you to the BON whether you are practicing 'within policy' or not.  Lawyer is not more likely to come after you if you have a policy. Having tangled with the BON myself - trust me - you want a well-versed lawyer to deal directly with the BON.

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45,303 Visitors; 5,009 Posts

From the very first day as a new nurse working in my career until the very last day until I retired, I carried insurance with NSO.

Like ruby jane said, skipping a monthly mocho chacho frappe latte should just about cover the charge.

You have life insurance and homeowners insurance and you wouldn't think about NOT having auto insurance. So why risk something as important your career and other sequella?

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gonzo1 has 15 years experience.

23,088 Visitors; 1,695 Posts

I've had it since before graduation many years ago.  Have used it twice with good results.

"Don't leave home without it."

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