What liability coverage do you carry?

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

Same as above

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

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

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

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 liability insurance 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

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.

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?

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 :)

I attended a legal documentation seminar not too long ago and the instuctor could/would not come right out and say that we should all have our own malpractice insurance but they were able to make it clear that it is a very good idea.

It was re-inforced though that if you chose to carry malpractice insurance no one needs to know about it except an attorney if you have to go to court.

I always thought that I was good at charting to protect my license but I learned so much about what lawyers look for in nursing documentation that it changed the way I document. I feel much more confident and secure in not only the job that I do but in how I document it.