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Recommended Nurse Malpractice Insurance Companies

Posted

I am a new nurse and looking to purchase RN malpractice insurance. Is there a specific company that is better than the rest?

I have it from Nurse Service Organization (NSO)

Do an internet search and list each company you find, then compare what each offers you for your premium. I believe that you will find that each of them is nearly identical.

Speaking of malpractice insurance, I heard different things concerning insurance. Some people say get it to cover your rear end, others say don't because people will be more likely to sue you if you have malpractice insurance. Any thoughts?

That's what I was wondering too. Professors in nursing school had said not to get it because we're covered under the hospital and it would actually make us more apt to be sued. But, my concern is that if something happened, would the hospital protect me or just themselves? I hope never to be in that situation & I do my best to do everything by the book, asking for help when I'm not sure, but u just never know.

It's hard to say. People are so sue happy now a days. I think they would go after anyone if they thought they could get money. I hate to sound so negative but I have seen pts and family members just looking for reasons to sue and even threatening to sue before you even assess the pt.

JustBeachyNurse, RN

Specializes in Complex pediatrics turned LTC/subacute geriatrics. Has 11 years experience.

The hospital will only protect you if you are currently employed and practiced perfectly following the nurse practice act & the facility policy. & procedure exactly. If the hospital loses and defended you they can still go after you legally for costs and loss. The hospital carrier is there to protect the hospital's interest.

Personal professional malpractice insurance protects your best interest. It offers you license defense, an attorney for you, covers your costs ( lost wages etc) to give a deposition or testimony. The two major carriers offer coverage should you violate HIPAA or are accused of a HIPAA violation.

It's a myth that you are a target if you have malpractice insurance. Attorneys name anyone and everyone when filing a claim or suit. If your name is on the chart or even on the unit schedule you risk being named as a defendant. Your malpractice carried works in your best interest and if the case is irrelevant then works to get you dismissed from the suit/claim. Malpractice also provides coverage should you need to appear before the board of nursing.

JustBeachyNurse, RN

Specializes in Complex pediatrics turned LTC/subacute geriatrics. Has 11 years experience.

The two major carriers are NSO and Marsh/ProLiability

Thank you to those who responded. This has been very helpful.