I'm new here!! My name is Talley and I am a school RN. I am also branching out and doing some private contracting stuff soon and figure I need to have liability ins since I won't have a company to protect me. PROLIABILITY is $89 a year NSO is $120 a year FOr the same amt of coverage 1,000,000/6,000,000 (i think were the numbers) What is the difference between the two? Is one necessarily better then the other? or is one just cheaper then the other?? I would really appreciate your opinions. Thx, Talley