Malpractice insurance which level is best?

I've decided to buy malpractice insurance from CM&F Group. I'm unsure about which limit of liability to choose. The options are (Per Incident / Aggregate Limit) 1,000,000/6,000,000 which costs $102 and 2,000,000/4,000,000 which costs $117. Which would you choose and why?

I will be working in the ED come January, but will keep my PRN job in Med-Surg/Oncology.

p.s. yes malpractice is spelled wrong in the title.
Hello,I corrected your title. Normally, I advise someone to get as much as they think they can afford, but no less than 1 million per incident. A lot depends upon the individual's job duties. Job risks differ from one nurse to another.

It would make more sense to me to get the higher coverage. It's an extra $15/year, but could mean the difference between bankruptcy and not.

I agree, klone.

What about the max coverage of 4 vs 6 million? Does that not matter because the likelihood of being sued more than once is not very high?

Quote from Lev <3What about the max coverage of 4 vs 6 million? Does that not matter because the likelihood of being sued more than once is not very high?

Quote from sirIHello,I corrected your title. Normally, I advise someone to get as much as they think they can afford, but no less than 1 million per incident. A lot depends upon the individual's job duties. Job risks differ from one nurse to another.