Professional Liability Insurer for L&D Nurse?

[JMomBaby]

hello, i was wondering what the general opinion is for the best professional Liability Insurance for l&d nurses. so far i have checked both nso (recommended by a former professor) and proliability (recommended by awhonn). the difference in policy price quotes is significant, with nso charging about $100 for a policy and proliability about $400 (incidentally, nso does not figure nursing specialties into its price quotes, whereas proliability does, and proliability includes an awhonn discount and nso does not). at an approximately $300 difference in costs, i would like to know what others think about these two insurers, or other professional liability insurance companies they have used. is the extra cost of proliability worth it? is there a better company than these two?

thank you!

:heartbeat

[JenTheRN]

Correct me if I'm wrong, but doesn't your hospital cover liability for all its nurses? Unless you are a travel nurse, I would think what the hospital supplies would be sufficient and supplimental insurance would be a waste of money.

Your situation may be different tho.

[elkpark]

Correct me if I'm wrong, but doesn't your hospital cover liability for all its nurses? Unless you are a travel nurse, I would think what the hospital supplies would be sufficient and supplimental insurance would be a waste of money.

Your situation may be different tho.

I encourage you to take a look at the discussion on some of the many existing threads on this topic.

[JenTheRN]

Ok...I know my hospital provides it. Just a thought.

[nohika]

I think what Elkpark is alluding to is that generally the hospital will throw you under the bus and deny you Liability Insurance kind of thing. It's important to have your own, since if the hospital tosses you under a bus, you're up a creek without a paddle. It's in the hospital's best interest to provide liability insurance when they're being sued and nothing negligent was done, but in the case they don't care or there was possible negligence, they'll toss you under the bus ASAP.

[JMomBaby]

I aree, my professors highly recommended personal insurance for nurses for the above legal reasons.

Does anyone have experience with any of the personal professional Liability Insurance companies, good or bad? I'm leaning towards Proliability mainly because AWHONN supports it, and I would assume AWHONN would support the best insurer for L&D nurses, although I could be wrong.

[nohika]

I aree, and my professors highly recommended personal insurance for nurses for the above legal reasons.

Does anyone have experience with any of the personal professional liability insurance companies, good or bad? I'm leaning towards Proliability mainly because AWHONN supports it, and I would assume AWHONN would support the best insurer for L&D nurses, although I could be wrong.

I would look to see if AWHONN gets a kick-back from Proliability - there's got to be a reason it's more expensive. I'd examine the policies too. I think most of the nurses on here go through NSO, but I could be wrong.

[elkpark]

NSO and Marsh (Proliability) are the two companies specializing in professional liability coverage for nurses that get mentioned most often. I've had coverage through both, at different times, and don't have any strong opinion either way because, thankfully (knock on wood!!), so far, I haven't had to use them.

I know that some members here have also commented that they carry coverage through a rider on their homeowner's insurance policy, but I have no idea how that would work or how the cost would compare to NSO or Marsh -- I am more comfortable dealing with a company that specializes in covering nurses.

[JMomBaby]

I agree, I would want a company that specialized in nursing Liability Insurance instead of homeowner's/car insurance. I'll have to take a close look at Proliability and NSO's coverages to see where the differences lie, aside from price. I did notice right away that Proliability offers $2 million coverage per incident, whereas NSO covers $1 million/incident, although that does not entirely explain why Proliability is 4X more expensive hopefully it's somewhere in the small print.