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Should a Nurse Carry Malpractice (Liability) Insurance?

 

This question comes up frequently and is asked quite often by nurses, "Should I carry malpractice insurance?" Many nurses are covered under their own individual liability insurance carrier. Many more are not. I am.......... are you??

Nurses can be sued at any time, for any reason. Often, allegations brought against you are unfounded, but just being named in a lawsuit gives one pause and can be one of the most stressful times in your life. The nurse feels embarrassed and fears damage to a perfect reputation.

Your employer's policy may cover you, but only up to a point. Remember: Your employer's policy is created to fit their specific needs and protects them first.

You may even be told (by your employer HR) that you do not need your own policy. What they do not tell you is that they want you to be represented by their attorneys. They do not want "outside" representation for they know that their best interests will not be first and foremost. Carrying your own policy will ensure you personal attorney representation when you need it and this attorney will be concerned with only protecting YOUR needs and YOUR best interests.

All malpractice insurance 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 expenses for you!!

The following are a few individual carriers:

    Nurses Service Organization (NSO) - www.nso.com - #1 carrier for Nurses with free online quotes
    www.hpso.com
    www.cnahealthpro.com
    www.cmfgroup.com
    Marsh Affinity - www.proliability.com
    www.seaburychicago.com - not in all States
    Liability insurance can also be purchased through CNA by going to the American Nurses Association website - www.nursingworld.org
    And, some Home Owners insurance policies will have stipulations for liability insurance.

It is up to the individual nurse how much liability to carry. $1,000,000/$6,000,000 coverage premiums are approximately $90/year in most States for the RN and $90/year for the LPN - NSO.


Another benefit of carrying individual coverage which extends beyond your employer's limits:

    License Protection

Many Carriers reimburse you up to a certain amount if you are defending disciplinary charges with your Board of Nursing (BON).


And, many policies also address the following (not all inclusive):

    libel
    slander
    charges of confidentiality violation
    assault on the job

So, do you carry your own individual liability insurance??

Small price to pay for peace of mind...

Comments

Under tags why don't you have "gay" nurses listed?
Posted @ Tuesday, August 16, 2011 6:46 PM by Vincent L. Deliberto
Hi Vincent, 
 
Our Blog tags are generated based on our Blog article content. Our Blog is fairly new, so we have not had any articles yet on Gay nurses. We are always looking for new content, so if you had any interest in writing or helping with content about Gay nurses, we would love to hear about it. Please email me if you are interested. Thank you again for taking the time to drop us a note. 
 
Sincerely, 
 
John Paul (JP) 
production@diversitynursing.com
Posted @ Thursday, August 18, 2011 11:10 AM by John Paul
Thank you for sharing your great article and I like it very much. Welcome to Canada Goose Parka.
Posted @ Thursday, September 29, 2011 8:39 PM by Canada Goose Parka
First of all appreciate your share, like your blog, the hope can share with you more wonderful blog,welcome to Canada GooseParka, Canada Goose Coats and Canada Goose UK.
Posted @ Saturday, October 08, 2011 2:27 AM by Canada Goose Parka
It looks like this year 2012 the CDC and big pHarma have begun recommending more vaccines to be given to MD’s and health care workers or else lose our JOBs.  
 
What about our freedom of choice? 
 
I just did a post about this topic here: http://wp.me/p1Crrw-5p 
 
 
 
Does anyone know if vaccine ingredients continue to accumulate in our bodies? 
 
For sure I will be Detoxing. 
 
Posted @ Tuesday, January 17, 2012 3:45 AM by Robert
Thank you so much for this article! I am graduating this year with my BSN and have been pondering this question. After reading this, I will definitely be getting insurance.
Posted @ Tuesday, April 03, 2012 11:10 AM by Nancy
Both the American Nurses Association (ANA) and the Association of Nurse Attorneys recommend that all nurses carry their own professional liability insurance. Look at both of their web sites for more information. I personally know of instances where the MDs who were sued (and had their own insurance, thus their OWN attorney) were NOT taken to trial because they insisted that their attorney settle the case because of their wrong doing. HOWEVER in these same cases the nurses, who ONLY had the insurance paid for by the hospital, thus had the hospital's attorney were MADE to go to court, sit and tell a jury how they screwed up and LOST the case. I for one am NOT putting my choice and representation in the hands of some hospital (not MY) attorney. 
 
As an expert witness, I can tell you that I am not impressed with most of the hospital attorneys that I have testified against
Posted @ Monday, May 07, 2012 11:35 AM by Sandra L Gardner RN MS CNS PNP
Thank you so much for this article! I am graduating this year with my BSN and have been pondering this question. After reading this, I will definitely be getting insurance.
Posted @ Monday, August 27, 2012 4:22 AM by Cabs and Car in jodhpur
"I won’t waste my time watching an exhibition game, and especially not my money. But I will eagerly ready all about it the next day."
Posted @ Friday, September 28, 2012 1:59 AM by rajasthani special
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