Received bill for liability insurance today

Caveman · May 10, 2003

Assuming that one works 52 weeks a year, 40 hours each, that $89.00 comes to a little over four cents per hour. Given the responsibility that a nurse assumes every time he/she goes to work, I don't know how anyone could sleep at night without professional Liability Insurance.

Nurse Ratched, RN · May 11, 2003

Caveman, I never thought about it in terms of four cents and hour. Thanks for making it an even better deal than it already was! :)

Mimi2RN, ASN, RN · May 11, 2003

It does seem like money well spent, and like other policies I have, I hope I never need to use it!

P_RN, ADN, RN · May 11, 2003

There's no reason NOT to get it. No your employer won't protect you. No you won't be more likely to get sued if you have it. No they won't go after deep-pockets. It is what will keep you from the absolute loss of everything material in your life.

Furball · May 11, 2003

Originally posted by Nurse Ratched
And once again I am reminded what a great deal of peace of mind it brings me for just $89/year.

Just a reminder to those that don't carry it - please do so - students, too!

Which company do you use?

Shamrock, BSN, RN · May 11, 2003

As one of my instructors in nursing school used to say, " It would

behoove you to carry malpractice insurance as we are all human."

It is the behoove word that made the sentence!!

P_RN, ADN, RN · May 12, 2003

Which company do you use?

I know you asked Ratched, but mine's NSO.

Furball · May 12, 2003

Thanks PRN!

Nurse Ratched, RN · May 12, 2003

Originally posted by P_RN
Which company do you use?

I know you asked Ratched, but mine's NSO.

Ditto :).

I originally checked with my car insurance co to see if they had any options (we also get our renter's insurance throught them) but they don't deal in that.

MandyInMS · May 12, 2003

I use NSO also...haven't had to use it-knocks on wood- ..just a 'peace of mind thing'...even when you do everything right things go wrong sometimes..such is life..and Lord knows I'm farrrrr from perfect :)

llg, PhD, RN · May 12, 2003

I've had it since I graduated in 1977. I've never had to use it, but like the rest of you, I sleep better knowing it is there!

llg