Do I need my own liability insurance?
Although you may be covered under the liability policy of your employer, you cannot assume that their policy will provide you adequate protection. Hospital liability policies are meant to protect the hospital. Only with a personal policy can you be certain that your interests will be protected if you are named as a defendant in a lawsuit or face a complaint against your license with the Board of Nursing.
When selecting an insurer, consider a company that writes policies for health care professionals and covers attorney fees and costs in Board of Nursing disciplinary investigations. The Missouri Nurses Association recommends the following liability insurer for nurses, Probability by Mercer.