RN Liability Insurance - NSO, ANA, or other?

[nf87654]

I am a new grad and getting ready to begin my first job as an RN. I have read numerous threads from this site about whether or not insurance is important. I am 100% convinced that as a new nurse, the small price to pay for insurance is well worth the cost.

My question is: Which is the BEST insurance policy to have? I noticed NSO only overs up to $1,000,000 per incident, but yet it still seems to be popular. To me that doesn't seem like very high coverage when you hear about these lawsuits where the patients are suing for multi-million dollar settlements.

Any advice would be appreciated. Thanks!

[Noimanurse]

I went with NSO due to the overall types of coverages just seemed to fit better, however, the couple others I have checked out seem to be similar. As far as whether you need it or not...answer is YES.

[RNDude1]

I also went NSO. The cost is SO small compared to the BIG comfort it provides. Get it--you can afford it with that spanking-new monster of a RN paycheck you'll be getting!

[dizzejan]

NSO.. had it for 20 years..thankfully have never had to use it..

[Guest717236]

NSO- have had it over 20 years, reasonable price.

Never had to use it.

You need to renew it consistently each year.

And congratulations on your graduation!

[hiddencatRN, BSN, RN]

I had NSO as a student so converted my policy to an RN after I passed the boards. DH uses NSO for his paramedic insurance too (it's HPSO, but basically the same company) so I was already familiar with them. Didn't really look in to other companies first though.

[LadyTiger44]

I have used NSO also. Never had to use them, but did consult with them on a topic and they were very on top of things. Congrats and good luck!

[Tina, RN]

NSO for me, too. I am happy with them. Thankfully, I've never had to use it. But it's worth it for the peace of mind.