As a practicing nurse, should you have malpractice insurance? In these times, expect that most nurses have it. Especially, if you are an independent contractor or work for a health care pvoder who does not insure individually named nurses. That's not to say you wouldn't be covered under a policy even if you are not named as an individual insured. It's just extra protection; protection you would want in the event you get sued.
There are many companies who provide this type of insurance, the key is getting the most highly rated on ewith the most coverage for your premium. The worst case would be to have paid the premium throughout the years and not have coverage when you need it.
The amount of coverage will vary depending upon the type of policy and the liability risk. Consider occurrence-base policies first. If it's still not affordable, then look at claims-made policies. Either way, if you get sued, you'll be glad you have some coverage if for no other reason than your comfort level.
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