Frequently asked questions about claims
If you are named in a lawsuit and don’t know what to do, you may have questions. In this section we answer your top questions about what to do if you are being sued, who pays for your lawyer during a trial, and if NSO is a company you can trust to safeguard your interests first.
How do I know that Nurses Service Organization is a company I can trust?
I have just been notified that I have been named in a lawsuit or that I am going to be sued. What do I do?
I've been hearing more about nurses facing disciplinary charges from their state licensing boards. Does my professional liability insurance pay for a lawyer for this type of hearing?
What kinds of activities might trigger a disciplinary action by a licensing board and/or state regulatory agency?
Would NSO deny insurance coverage due to a claim against a policyholder?
1. How do I know that Nurses Service Organization is a company I can trust?
Nurses Service Organization has been meeting the insurance needs of nurses since 1976 and provides professional liability insurance to well over 500,000 nurses nationwide. The professional liability insurance program offered through NSO is underwritten by American Casualty Company of Reading, Pennsylvania, a CNA company. CNA has earned an A (Excellent) rating from A.M. Best, the nation's leading authority on the financial well-being of insurance companies. CNA is a registered trademark of CNA Financial Corporation.
2. I have just been notified that I have been named in a lawsuit or that I am going to be sued. What do I do?
If you have been contacted in regards to a lawsuit, or you suspect that you may be contacted in the future, it is important to contact us immediately, so we can proceed in your defense, if necessary.
You can call us at 1-800-247-1500, between 8 a.m. and 6 p.m. ET, or submit an online contact form. We will then forward your information to our underwriter, CNA. A CNA claim consultant will contact you by phone within 24-48 hours to explain next steps and discuss what attorney options are available to you.
It is important that you make no attempt to contact the patient or the patient's attorney to discuss the subpoena or any other paperwork you may receive. Avoid the temptation to talk with your friends and colleagues about the subpoena. Your insurance provider should be the first person with whom you discuss the details of the subpoena.
Read more about CNA and how they will treat your claim.
3. I've been hearing more about nurses facing disciplinary charges from their state licensing boards. Does my professional liability insurance pay for a lawyer for this type of hearing?
If you face professional disciplinary charges, you are eligible for defense reimbursement under our policy. This coverage may provide up to $25,000 for legal representation for covered disciplinary hearings (excluding the appeals process). Coverage will vary according to your policy provisions. Feel free to contact us if you have any questions.
4. What kinds of activities might trigger a disciplinary action by a licensing board and/or state regulatory agency?
The fact is anyone can file a complaint against you with the state board for any reason—even your own employer—and it doesn’t have to be solely connected to your professional duties. You’ve studied and worked hard for your license, and it should be safeguarded. All complaints need to be taken seriously, no matter how trivial or unfounded they may appear.
Our current License Protection coverage reimburses you for your defense of disciplinary charges and other covered expenses arising out of a covered incident. We understand the importance of your license to your livelihood and will help you preserve it.
5. Would NSO cancel or non-renew insurance coverage due to a claim against a policyholder?
Our current insureds and potential clients should not be concerned about the cancellation of their policy solely due to the reporting of an incident or claim. We evaluate practice methods, continuing education, and risk management techniques along with the severity and frequency of any incidents or claims reported before taking such serious action.