Malpractice Insurance

Hello,
I have my first nursing job where my employer does NOT provide malpractice insurance to employees. I searched prior threads, & the last one like this is from 2003 (outdated, maybe?). Can you recommend a malpractice insurance carrier that is affordable & reputable? I'm ICU if that makes a difference.
Thanks!
-mariebailey
Try NSO@nso" target=_blank rel=nofollow>www.nso.com/insurance‎

NSO runs about $100/yr or so. That's about $8.50 a month. Well worth it to have coverage that covers YOU and YOU alone. They've been around at least since I was in school (the 1970's). And it seems like a gazillion nurses insure with them.

I had my coverage added to my homeowners policy for roughly $100 a year--$500,000 coverage--in the midwest.It isn't costly, and even if your employer offers coverage, BUY YOUR OWN! Always cover your own behind...

I heard State Farm is around $100 a year too! I'm gonna see if I can get more info as I am looking myself as a new grad.

Marsh (proliability.com) is the other company, besides NSO, that always gets mentioned in these conversations. A number of posters here have mentioned over the years that they have coverage as a rider on their homeowner's insurance, but I am more comfortable dealing with a company that specializes in professional liability coverage for nurses and other health professionals.It's not expensive -- get it. Keep it. Even employers who do say that you are covered under their insurance will throw you under the bus to protect the facility in a tight spot. I've seen it happen multiple times.

I have NSO.

Quote from MissMoo25I heard State Farm is around $100 a year too! I'm gonna see if I can get more info as I am looking myself as a new grad.

Marsh has recently changed to Mercer, at least that is what my renewal statement says. I have always had my own malpractice insurance. The orgaization you work for may cover you but they can turn around and sue you also. I have never had to use it but have always kept my own current policy. Usually around $100.00 year although the cost increases with your speciality areas.

Quote from MissMoo25I heard State Farm is around $100 a year too! I'm gonna see if I can get more info as I am looking myself as a new grad.

Quote from monkeyhqI had my coverage added to my homeowners policy for roughly $100 a year--$500,000 coverage--in the midwest.It isn't costly, and even if your employer offers coverage, BUY YOUR OWN! Always cover your own behind...

You would have to call your agent and inquire. Not all states offer this as an option on homeowners and if they do, there may be some differences in coverage/limits. I carry a separate policy as I don't believe my homeowner's offers it (will be checking it out though). Good article here on what to look for when purchasing a policy. Don't Make These Mistakes When Buying Your Malpractice Insurance!