hi dear friends! i want to start an agency in the nyc area, i never worked for an agency; i do have the money to finance my own payroll i need help in a few areas; first can anybody tell me what insurances do i need and where to get them second, do per diem nurses usually get paid benefits? if yes, after how many hours? who usually pays for malpractice insurance? the agency or the nurse also do i need i as the agency owner to hire at least some full time nurses and then contract them to hospitals on a per diem basis, or can i just work with a roster of nurses that have shift availabilities (but don't work only for my agency and can always back out on me) also can anybody tell me how to get help and recourses on developing policy and procedures? thanks, ps any of your thoughts would be helpfull