I am going to be starting my orientation/preceptorship on October 15th, and I would like to have my own Liability Insurance for the length of my career. It was briefly mentioned in school and it is important to me. I am a new grad BSN RN, in Massachusetts, I will work overnights (7p-7a) with 6 patients on a cardiac/telemetry unit in a hospital, if that info helps.
My questions:
1) Which company do you use? Have you used others? What makes a good provider?
2) How much is your coverage? 1 million?? More/less?
3) Have you ever needed it, or known someone else that needed it?
4) Are there questions that I should be asking these companies when I call for quotes?
5) How much does it cost? Monthly/Yearly payments? Does cost vary with anything like experience, level of education, age, type of specialty, state of practice, etc.?
6) Are there ways to get the amount that it costs discounted? Education, certs, etc.
Basically, I am looking for any information that you can provide to me. Only answer 1 question, or all of them and more... I don't have any nurses in my personal life, and I do not work with any until I start this job, unfortunately, so this is my only way to get reviews, recommendations, and information. I really appreciate it.
Yes, I read that article and all of the comments. It's great to know that often the insurance is not needed for many various reasons. It puts my mind more at ease. I've always felt that this world it too sue-happy and it makes me nervous. I could pay for my entire 30 years of coverage right now in cash, so it really is worth it to me if I am that 0.1% (not a real statistic, lol) of people that end up needing it. I even have insurance on my dog. Peace of mind for less than a Dunkin Donuts coffee a week, is right up my alley. Thank you for that insightful article!
Okay - I'll bite...I've had NSO since 1992 and yes I have used them. I won't go into details except to say that if have an adverse events they are on your side. They will provide recommendations for attorneys who specialize in administrative law (for licensure issues) as well as providing malpractice attorneys.
Okay - I'll bite...I've had NSO since 1992 and yes I have used them. I won't go into details except to say that if have an adverse events they are on your side. They will provide recommendations for attorneys who specialize in administrative law (for licensure issues) as well as providing malpractice attorneys.
It has been well worth it.
When you used them, was it as a staff nurse or a APRN? APRN would be a different situation. And, I bet the policy cost more than $100.
sallyrnrrt, ADN, RN
2,399 Posts
I have always carried. It , well at least in the last 20 years.. ncs not bad." But there are options