Suggestions--malpractice insurance

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What reputable companies do you recommend for ? I need to get it as cheaply as possible.

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Specializes in Emergency & Trauma/Adult ICU.
www.nso.com
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ditto..NSO

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Specializes in Nephrology, Cardiology, ER, ICU.

Yep - NSO - I've had them since 1990.

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Specializes in Pediatrics.

I've never had any recommendation other than NSO.

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Specializes in Oncology; medical specialty website.

CM&F. Had lousy customer service with NSO, plus you take your chances if you need to talk to someone who speaks comprehensible English.

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Specializes in ICU.

I get mine through Marsh- www.proliability.com. Their customer service was excellent and if you are a new grad nurse you get a discount your first year. I had a bad experience with NSO and I agree with the above poster that their customer service is terrible (at least it was for me).

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Specializes in ICU + Infection Prevention.

I was told it is better to get lawyer insurance. If someone finds out you have , they'll push the suit forward hoping for a settlement. If they find out you don't have deep pockets but can fight them all day long for free, they'll drop the suit.

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Specializes in Complex pedi to LTC/SA & now a manager.

How will they find out you have unless you tell them? Besides facility policies have higher payout limits than individual policies. My policy covers license defense, any attorney fees/advice associated if a suit is filed naming me as a potential defendant, even for a specified number of years after I leave a position or the profession.

I asked an attorney that deals with malpractice cases locally and was informed that plaintiffs' attorneys specifically going after health care professionals with personal is an urban legend at least in my state. When potential defendants are chosen in a malpractice case, the selection is based upon position, interaction with the patient, documentation, and the specific incident. I was told that he never knows if someone has a personal professional liability policy unless the information is revealed, or he happens to know that a particular attorney is frequently retained by a specific liability insurance companies.

I've never heard from a credible source that by having your own professional liability policy that you are definitively a target for malpractice suits in search of "deep pockets".

As far as NSO, I don't know if they have altered their customer service staff recently (i.e. stopped outsourcing overseas) but in my recent dealings the representative was very knowledgeable and spoke clear English. They also give a discount first year after graduation/license. That said, I've also heard positive experiences with Proliability.

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What is "lawyer insurance?"

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with nso i noticed they cover off duty emergencies, i didn't see that on proliability...is this correct for those that have the latter? also would it be okay to post the annual cost for the ones people have or would that be too personal of a question...i am assuming this may not be helpful to me as the rates differ base on how long you've been a nurse? and just to sum we have proliability, NSO, and CM&F. thanks.

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Thanks so much for the suggestions, everybody!

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