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Why do I need coverage?​​​


Why do nursing professionals need professional liability coverage?

NSO has created this series of videos, featuring an attorney who represents nursing professionals, Edie Brous, R.N., Esq., to help dispel numerous misconceptions about malpractice insurance and provide insights into the value of having your own individual professional liability insurance policy.


1. Why do nursing professionals need their own professional liability insurance coverage?

Doctors are not the only ones who get sued
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Employer coverage has limitations
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A multi-million dollar case
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Moonlighting protection
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2. If I am covered through my employer, why do I need an individual professional liability insurance policy?

You, your employer and conflicts of interest
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A real-life conflict of interest case
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Curbside consults and licensure complaints
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Licensing- moral character requirement
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"I play by the rules," frivolous lawsuits and sovereign immunity
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3. Does having my own professional liability insurance policy give me “deep pockets”?

Being insured does not make you a target
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Having no insurance does not mean you won't get sued
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The cost of defending a malpractice case on your own
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Without insurance, a plaintiff can go after your assets
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