Do I need Malpractice insurance?

1 Wondering if it's necessary to get my own malpractice insurance? I'm a new-grad; and have no idea what to look for, amounts, coverages ect...
Any words of advice, recommended companies, ect would be great!
Thanks!
Yes.Here.Professional Liability Insurance for nurses, nursing medical malpractice.Done

I don't have it...I'll probably get torched for asking this but aren't nurses covered under their place of employment as far as malpractice insurance? Also, I don't know anyone (that I know of) who has had to use it? Call me naive I'm interested in hearing what others have to say about this topic....

Quote from Gypsy_NurseI don't have it...I'll probably get torched for asking this but aren't nurses covered under their place of employment as far as malpractice insurance? Also, I don't know anyone (that I know of) who has had to use it? Call me naive I'm interested in hearing what others have to say about this topic....

True...I guess I always heard from others that the hospital has approx $100,000 malpractice on each employee. However, I haven't researched it so it's just hearsay. The nurses that I'm asking right now don't have it either. Great, now I'm going to get an ulcer trying to figure it out!

Quote from Gypsy_NurseTrue...I guess I always heard from others that the hospital has approx $100,000 malpractice on each employee. However, I haven't researched it so it's just hearsay. The nurses that I'm asking right now don't have it either. Great, now I'm going to get an ulcer trying to figure it out!

Your employer's insurance only covers you while you're employed. What if something happens that doesn't hit the court until you've moved to another job? Also, your employer's coverage favors the employer over the employee.Get some insurance--it's money well spent. Nurses do get sued.

Plus your own professional liability insurance often offers license defense if a complaint is made to the BoN, coverage if a HIPAA complaint is filed against you, coverage if you are called to testify and legal representation (even if you are not named in the suit). $100,000 coverage is nothing plus it ends when you leave the job so no coverage if a suit is filed a year later. However most personal professional plans offer $1,000,000/$6,000,000 coverage that covers any incident that occurred while you were under policy.

I've always had it, I've never used it, and I will always keep it.

Your employers malpractice insurance does NOT cover you if they can find any one little thing you did that was not EXACTLY following hospital policy. Even if that one little thing really had no direct bearing on the "incident." Even if "no ever follows that policy.....we always do it this way." They can produce the hospital policy, show how you were not following it, and their malpractice insurance won't cover you.I have always had it. I have never needed it. I will always have it.

I actually just signed up for it through NSO. Very reasonable for the peace of mind and protection it provides

Quote from SanfranciscoSueI've always had it, I've never used it, and I will always keep it.

Most hospitals do have hold insurance for their nurses but if you screw up and they can prove it was all you, they WILL throw you under the bus to save the hospital, get your own insurance!