RN Liability Insurance Questions

Nurses General Nursing

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Hi..I am new grad RN...I am curious about for RNs.

I know in school we were required to have it through "Nurses Service Organization"...as an RN employed at a hospital do I need to have this coverage?

If so...where do I buy it?

ANY insite would be great! THANKS!

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Specializes in Education, FP, LNC, Forensics, ED, OB.

all policies have limits of liability. if you are only covered by your employer's insurance, other defendants employed at your entity may and probably do share your liability limits under the same policy. if you, as well as others, are named in a suit, your legal costs, including any settlement, could exceed your employer's shared liability limits. this would mean out-of-pocket expense(s) for you.

i am a strong advocate for it and endorse nso:

www.nso.com

small price to pay for peace of mind.

here are several threads as well as reasons why you should secure individual .

carrying my own malpractice insurance?

liability/malpractice insurance?

malpractice insurance?

where do i get lvn/lpn malpractice insurance?

reasons why to carry malpractice insurance:

overdose of magnesium sulfate kills 18 mom in labor

if your license is disciplined

reinstated license after suspension

falsely accused of a hipaa violation

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Specializes in ER, Teaching, HH, CM, QC, OB, LTC.

There are very few places that I have seen that "require" . BUT... it is very wise to have this safety net.

Many employers policies do not cover nurses named as individuals in suits or have very limited coverage.

Get your own and keep it. It is not a great deal of money for a basic policy. And your can deduct it if you itemize.

Good look!

fgoff

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Most Home Health Agencies in California REQUIRE RN's to carry Professional .

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