Author Topic: Nurses in Critical Care/ ICU/ NICU - do you have extra liability coverage?  (Read 1717 times)

NonprofitER

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In re-reading the umbrella policy threads, I wanted to get advice on insurance coverage from other nurses (or folks who work near/around/with nurses).

My husband is a RN and works at a children's hospital in the ICU (F/T) and ER (P/T).  Due to the nature of the units he works in, he's assigned some pretty medically fragile little people under 18 (usually under 12).  We've been carrying an independent nursing insurance policy on him that provides about $1 million in coverage for around $90/year from one of the big national nursing organizations.  We did this when he first started after we did some reading and realized that the hospital's insurance policy would likely protect their interests over his.  Additionally, the nursing policy would provide some defense of his licensure in the event of lawsuit.

We've been wondering if its best to continue with the nursing policy (up for renewal in Feb) or switch to an umbrella policy instead - since it would be more general and would cover other potential issues?  Our stache isn't huge yet, and we live in Texas where the homestead exemption seems to be favorable. 

Should we continue with the nursing policy or switch to an umbrella policy?  Or keep the nursing policy AND get an umbrella policy after our stache has grown and/or our child begins driving (~10 years from now)?




Elliot

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Keep the nursing policy. $90 is nothing for peace of mind, and there is no group more litigious than the parents of sick kids.

Scnrn

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]Yes.They can sue you until they are 21.I would get the 2 mil policy.It may still not be enough.

notmyhand

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An umbrella policy almost never covers work related lawsuits.  I would keep the nurse policy.

Aprés-ski

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I'd keep the RN policy.  While lawyers tend to go after the MD and hospital because they have the deeper pockets, it is not unheard of for a hospital to throw the RN under the bus to mitigate blame.

$90/year is cheap.

Keep the nursing policy. $90 is nothing for peace of mind, and there is no group more litigious than the parents of sick kids.

So true. I've seen medical malpractice lawsuits over things outside of any clinician's control.  There are malpractice lawsuits are that practical and necessary, but, there are also malpractice lawsuits that are just downright vengeful or full of greed.