Do you have Malpractice Ins?

Specialties Psychiatric

Published

Specializes in psych/dementia.

Just wondering if any psych nurses have ? Is this something I need to think about getting? I was told conflicting advice in nursing school and am not sure the best course of action.

Thanks!

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Specializes in PMHNP/Adjunct Faculty.

Yes! I use proliability (Mercer consumer) and it's only about $100/year. My employer-provided covers the bare minimum and I like having $6,000,000 in my own coverage per year. Plus if you have any action against your license it covers lawyers for BON hearings. Even if I don't ever end up needing it, it makes me feel better knowing that it's there. I believe it's worth the investment.

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Yes. I would never work a day without my own coverage. My father was a physician, and he advised me >30 yrs ago when I was in nursing school to always carry my own coverage and never trust an employer to protect my interests. Everything I've seen in nursing since then has just illustrated to me what wise advice that was.

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Specializes in M/S, LTC, Corrections, PDN & drug rehab.

I didn't have when I was working, I didn't know about it. I'm lucky nothing ever happened to me! I would definitely get it & plan on getting it when I am admitted to a bridge program.

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Specializes in Hospital medicine; NP precepting; staff education.
Yes! I use proliability (Mercer consumer) and it's only about $100/year. My employer-provided malpractice insurance covers the bare minimum and I like having $6,000,000 in my own coverage per year. Plus if you have any action against your license it covers lawyers for BON hearings. Even if I don't ever end up needing it, it makes me feel better knowing that it's there. I believe it's worth the investment.

I also have that coverage and company. I never did before I enrolled in FNP school, but now that I realize how cheap it is, I really wish I'd had it all along.

Of course, next year, it will be a whole lot more. ;)

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Specializes in Hospital medicine; NP precepting; staff education.
Yes. I would never work a day without my own coverage. My father was a physician, and he advised me >30 yrs ago when I was in nursing school to always carry my own coverage and never trust an employer to protect my interests. Everything I've seen in nursing since then has just illustrated to me what wise advice that was.

Indeed. While I am covered by my employer, they will protect their interests first. I was pulled into a meeting with the hospital's lawyer about this time last year because my name was on the chart. The adverse event that occurred didn't even happen on my shift. It made me so glad that I had the coverage.

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Indeed. While I am covered by my employer, they will protect their interests first. I was pulled into a meeting with the hospital's lawyer about this time last year because my name was on the chart. The adverse event that occurred didn't even happen on my shift. It made me so glad that I had the coverage.

Eek. Makes me want to get my own coverage. On that now...

Why didn't I think about this before. Smh at myself.

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Specializes in M/S, LTC, Corrections, PDN & drug rehab.
Eek. Makes me want to get my own coverage. On that now...

Why didn't I think about this before. Smh at myself.

Yeah, go do it now! I wish I had known about it when I was working. Someone was looking out for me.

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Yeah, go do it now! I wish I had known about it when I was working. Someone was looking out for me.

I love AN for this very reason.

Teaching me how to save my booty.

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Specializes in Nursing Professional Development.

I got it as a new grad (in 1977) and have never worked a day without it. I want my own attorney looking out for me and my interests -- not the hospital's.

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Specializes in Psych ICU, addictions.

I will never practice without it.

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Specializes in psych/dementia.

Thanks everyone! I'll definitely look in to getting some.

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