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Old February 17th, 2012, 08:56 AM   #1
barry1me
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nurse liability insurance......what do you know about it

what do you guys know about this type of insurance? Is it a scam for insurance companies to suck more money out of you, or is neccasay to protect you as hospitals will not protect a nurse?
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Old February 17th, 2012, 09:03 AM   #2
SweetLeah
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It's cheap, we get requests add it on to home policies for nurses all the time.

My guess is that these nurses are concerned that they may not be protected by their employer. With State Farm, a Nurse can get 2mm in coverage for $96/year.

That is pretty cheap peace of mind.
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Old February 17th, 2012, 09:03 AM   #3
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Does the hospital carry insurance for you?
I know that they do for me, I'm in xray and my wife is a nurse and they carry insurance for her too.
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Old February 17th, 2012, 09:30 AM   #4
GMKLR50
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seems that hospitals carry it for there staff but most private pratices dont, and if the nurse is going to peoples homes it doesnt either...seems to be what I remember the wife telling me when she was looking to see if she needed to carry insurance when she first became a nurse
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Old February 17th, 2012, 10:32 AM   #5
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Quote:
Originally Posted by SweetLeah View Post
It's cheap, we get requests add it on to home policies for nurses all the time.

My guess is that these nurses are concerned that they may not be protected by their employer. With State Farm, a Nurse can get 2mm in coverage for $96/year.

That is pretty cheap peace of mind.
We do it for peace of mind - if the employer decides to toss the nurse under the bus to protect themselves (it happens - "nothing personal, just business") you could be at some personal risk. For instance, if assertion is made that nurse's actions were "negligent" - which is a pretty broad term - you could be standing alone... Remember in civil actions, the burden of proof is different/lower - "weight of evidence" rather than "beyond shadow of a doubt".
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Old February 17th, 2012, 10:37 PM   #6
barry1me
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so how much coverage should someone carry?
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Old February 18th, 2012, 09:37 AM   #7
SweetLeah
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so how much coverage should someone carry?
As much as you feel you have to lose. State Farm offers 2mm for $96/year and 100k for $40 a year. Which would you choose?

There is a lot of money in this community, I would error on the side of having too much coverage when it comes to lawsuit protection.
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