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....
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