What liability coverage do you carry?

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Specializes in ER/Critical Care.

Alright, so since joining I have already gotten a TON of great advice from all of you:bow:, and now I need a little more.

I am looking at getting , but am unsure of what to get and with what company? I was thinking NSO, but wasn't sure if there is a better company out there or if there is one specifically for critical care that I should be looking out for. Any advice would be GREATLY appreciated! :bowingpur

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Specializes in Intensive Care and Cardiology.

I carry 1,000,000/3,000,00 aggregate from NSO.

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Same as above

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Specializes in CTICU.

Me too

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same NSO 3,000,000-6,000,000

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Specializes in CVICU, ICU, RRT, CVPACU.

None. I have three lawyers in my family who have all suggested I not carry anything. In most cases lawyers will not sue the nurse if there is nothing to sue for. This isnt absolute, however in cases of people I know personally it has worked great:D

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Specializes in Telemetry.

NSO cheap and covers me...........works for me!

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None. I have three lawyers in my family who have all suggested I not carry anything. In most cases lawyers will not sue the nurse if there is nothing to sue for. This isnt absolute, however in cases of people I know personally it has worked great:D

Eeeekkkk......

Well for $50-100/yr it's worth it. You may not "get sued" in the end but pays you if you have to be out of work pending an investigation if your license is temp suspended. So it's not just about "getting sued" it protects you in many other ways.

What happens if your license is suspended pending an investigation that lasts 6 months.....sure don't want the bank taking your house because you're out of work. Better to be safe.....just when ya think it won't happen to you

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Specializes in Cardiac Surgical Recovery, Critical Care.

I have 1,000,000/3,000,000 attached to my homeowner's insurance. It was cheaper. I have State Farm. My agent brought it up many years ago. My understanding of lawsuits against nurses is that they are directed at the hospital, under the premise of respondeat superior ( let the master answer). It is easier to sue an anomalous institution than an individual and institutions have deeper pockets. I thought it was illegal to discover potential financial assets of a defendant in litigation.

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Specializes in Big Variety.

My question is: if the patient is suing the doctor only, will his malpractice lawyers bring down the nurses with him? If they are just suing the doctor, won't the nurses be brought in to testify against him? Or can they just settle out of court before it came down to all that?

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Specializes in ICU, CVICU.

I have NSO- it costs more and I get less coverage then the previous posters because I'm in Texas but I do feel a little bit better knowing I have it :)

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Specializes in CTICU.
None. I have three lawyers in my family who have all suggested I not carry anything. In most cases lawyers will not sue the nurse if there is nothing to sue for. This isnt absolute, however in cases of people I know personally it has worked great:D

It's absolutely a myth that people who have will get sued before people without. How would a complainant know who is insured prior to issuing proceedings?? And if you are sued, they still have to be able to prove that you did something wrong, and that someone was injured by that act. If you did, you're insured! If not, you're all clear.

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