Malpractice Insurance

I can't really find a whole lot about this subject. I graduate next month and start my first job in January. How does everyone go about finding malpractice insurance and what is the typical costs for such? (knowing that it varies)
Google "malpractice insurance for nurses" and several companies will pop up. It is very affordable. I pay around $100 per year, and I've always been in maternal/child nursing which is a high lawsuit area, so my rates may be higher than others. I've had the same company since I graduated. They don't just cover malpractice, but they will also send a lawyer with you if you have to appear before the BON. I've never had to use it (knock on wood) but it's nice to know it's there if I need it.I use NSO.

I have NSO and it costs about a 100.00 a year also. I've had it since graduation and wont work without it.

Also a Texan. I have mine thru my liability insurance company (car/house). Cost is $82/yr for 1 mil in coverage with State Farm

Some low-risk employers will cover you under theirs so you may not even need your own. It's fairly cheap for nurses if you do need it.

Even if your facility does insure you as an employee, you still need your own malpractice insurance. The facility's insurance will do everything it can to protect THEM and their best interests. Have your own insurance so that you will have someone fighting to protect YOU and your best interests.

Quote from TracyE78Some low-risk employers will cover you under theirs so you may not even need your own.

Quote from TracyE78Some low-risk employers will cover you under theirs so you may not even need your own. It's fairly cheap for nurses if you do need it.

The ANA has a link on their website to apply for professional nursing liability insurance (you get a member discount.) It's entirely possible that other nursing organizations have it available too; I know NSNA (for nursing students) does. Maybe something to look into?

NSO ... Google it

Get the insurance. As one of my instructors said, "Never go naked." The yearly costs of insurance costs less than a good pair of shoes, and may save your hindquarters if the worst ever happens.

Thanks for all the answers! You all just reiterated what I thought. Thanks for the suggestions : )

Quote from TakeTwoAspirinEven if your facility does insure you as an employee, you still need your own malpractice insurance. The facility's insurance will do everything it can to protect THEM and their best interests. Have your own insurance so that you will have someone fighting to protect YOU and your best interests.