Nursing liability insurance as an endorsement to your homeowner's policy?

Does anyone buy their malpractice insurance in this way? I noticed that my homeowner's insurance (large, well-known company with the initials SF ) has an optional "Nursing Professional Liability" endorsement available. I haven't inquired with my agent about the coverage terms and premium, but I was wondering if anyone else gets their coverage this way.
Hmmm, I live in the SF state and this is all I found, doesn't mention nurses:http://www.statefarm.com/insurance/b...-insurance.asp

That's weird. It was shown on my most recent homeowner's policy renewal declarations as an optional coverage. I live in Illinois, too.

depending on the coverage offered you're probably better off with a separate policy - I'd have to see the endorsement terms and conditions to better understand it but it is probably fairly limited...yes I used to be an insurance agent in a former life

Quote from dudette10That's weird. It was shown on my most recent homeowner's policy renewal declarations as an optional coverage. I live in Illinois, too.

Quote from Twinmom06depending on the coverage offered you're probably better off with a separate policy - I'd have to see the endorsement terms and conditions to better understand it but it is probably fairly limited...yes I used to be an insurance agent in a former life

Quote from dudette10That's what I suspect, also. I'm not sure if insurance agents would have the endorsement wording available in their offices, so I put the question out there to see how broad a coverage like this might be. I went to the NSO website, but it won't let me click the descriptions of the coverages for some reason. I don't want to buy a policy or coverage without knowing how broad it is. The nursing-specific policies look like $1M/$6M are the basic umbrella limits.BTW, I used to work for a P&C company in a former life, too.

Quote from Twinmom06cool!! I wasn't trying to insult your intelligence - I had several designations and the hubs is a CPCU so we both understand insurance! You could also try the DOI website for Illinois for specific wording - although you'd probably have to dig through MILES of pages to find it!

I'd be uncomfortable having my homeowners or auto insurance (or any 'asset' insurance) tied in with nursing liability insurance... wouldn't want them to have any more info about me than necessary...

It was on our SF renewal here in Washington state as well.

If this kind of facility are there then it is really good for us. thank you.

i have this rider thru state farm. it covers my assets, such as my home. i also have a malpractice policy thru NSO.NSO will cover the nurse in court. but does not cover the nurse for any monetary judgements against h/him. that would perhaps require lien / liquidation of assets. that's what state farm would cover to prevent my losing my assets.btw, malpractice insurance does not cover all expenses r/t a suit. hope this is helpful.

Quote from Twinmom06depending on the coverage offered you're probably better off with a separate policy - I'd have to see the endorsement terms and conditions to better understand it but it is probably fairly limited...yes I used to be an insurance agent in a former life