Search for school

What does the Nurses Services Organization (NSO) Insurance Cover?

Once considered an option, in recent years, the language of the courts has determined that nurses are individuals, and as such, are responsible for individual professional liability insurance. Employers are not necessarily responsible for law suits directed at individual employees. Complaints against the Board of Nurses have become more frequent, increasing the possibilities of experiencing a malpractice suit for individual practicing nurses.

The Nurses Services Organization (NSO) Insurance is a policy designed to protect the interests of nurses against malpractice lawsuits. It is advised that all nurses should carry malpractice insurance, whether they are working for an employer or as a private practice.

Who Does Nurses Services Organization (NSO) Insurance Cover?

NSO Insurance is an extremely diversified and comprehensive service providing coverage for over eighty different types of healthcare professionals and healthcare providers. Discounts to graduating students are offered, provided they apply within twelve months of graduation. The same benefits are offered to both employed and self-employed professionals, as well as nurses who hold more than one type of license. It also provides easy transference of coverage for nurses choosing a specialized field or who are switching from one area of the nursing profession to another.

All healthcare providers should carry malpractice insurance as long as they hold an active nursing license. Exposure to a liability situation can occur for nothing more than providing healthcare advice, even if the advice was free, and the nurse was not currently engaged in the practice.

Why do those in Nursing and Related Fields need NSO Insurance?

At one time, lawsuits were rarely directed at the nursing profession. As the ones with both the greater authority and financial assets, lawsuits were typically directed at physician or medical doctor in charge of the patient’s care. Attorneys for the defendants no longer dismiss charges against healthcare providers simply because they will not be able to receive a large cash settlement. If the courts determine malpractice was involved, the plaintiff is still held responsible.

Without malpractice insurance, those employed in the healthcare are extremely vulnerable to lawsuits. Employers are not obligated to cover their employees under malpractice insurance. A lawsuit can become extremely expensive and time consuming, even costing the healthcare provider his or her license.

While the facility you work for may provide certain types of insurance benefits, it will not provide coverage for a lawsuit filed against the Board of Nursing. Even if you are not found guilty, you may be refused employment during the length of time the malpractice suit is taking place. You will still be responsible for all attorney fees.

How do NSO Insurance Policies Work?

NSO insurance policies are designed to allow health care providers full malpractice coverage in all phases of their careers, without the necessity of searching a separate insurance plan based on changes in their licensing. The premiums may change in accordance to the number of licenses they hold and the risk factors involved in their employment, but will not have to be cancelled or altered for changes in their career progression. An intern entering the field of licensed nursing or a nurse entering a more specialized field may still hold the same NSO insurance policy.

The greatest consideration is in studying, the insurance offer determine whether it’s a regulatory defense policy or one designed for license defense. Before signing an agreement, the nurse should be fully aware of the different types and terms offered within the malpractice liability policy.

Violence in the work place has become a growing concern among most healthcare providers. In all states except Texas, most NSO insurance policies will cover the expenses of any injuries suffered by a healthcare provider in the performance of duties. A comprehensive NSO insurance policy will cover the expense of a lawsuit, allow the nurse to evaluate settlement offers without petitioning the Board of Nursing and protect the nurse’s license and career.

Nursing Scholarships

American Assembly for Men in Nursing (AAMN) American Cancer Society Doctoral Degree Scholarships in Cancer Nursing Gallagher Student Health Careers Scholarship
The Gates Millenium Scholars (GMS) National Black Nurses Association (NBNA) National Student Nurses’ Association (NSNA)
New Careers in Nursing (NCIN) Nurse Corps Scholarship (NCS) Nurses of Tomorrow
Nursing Economics Foundation Tylenol Future Care Scholarship American Holistic Nurses Association

Purdue University Global

Ranked among the Best Online Bachelor's Programs in 2015 by U.S. News and World Report.

Programs:

  • BS in Business Administration
  • MS in Accounting - Audit Specialization
  • AAS in Criminal Justice
  • And more...

Colorado Technical University Online

A degree from CTU connects you to what matters most: powerful professional network, real-world professional faculty and innovative technology. Once you earn your degree you hit the ground running.

Programs:

  • Bachelor of Science in Nursing (RN to BSN completion)
  • Master of Science in Information Technology - Network Management
  • Bachelor of Science in Criminal Justice – Human Services
  • And more...

South University Online

As a student at South University, Online Programs you will receive the same quality instruction, variety of learning options and level of service found at the campus locations.

Programs:

  • Nurse Educator (PGC)
  • Nursing (RN to BSN)
  • Master of Science in Human Resources Management
  • And more...

Argosy University Online

Argosy University offers doctoral, master's, and bachelor's degree programs to students through its eight colleges.

Programs:

  • Business Administration (BS)
  • Curriculum and Instruction (EdD)
  • Liberal Arts (BA)
  • And more...

Aviation Institute of Maintenance

Aviation Institute of Maintenance schools are distinguished institutes committed to the education and personal enrichment of each student interested in the Aviation Industry.

Programs:

  • Aviation Maintenance Technician
  • Aviation Maintenance Technical Engineer

Ohio University - Online

Ohio University has offered distance learning educational opportunities for more than 100 years.

Programs:

  • Master of Business Analytics
  • Master of Health Administration

Ashworth College

Earn your degree or diploma on your schedule and succeed at Ashworth College.

Programs:

  • Payroll Clerk
  • Private Investigation
  • High School
  • And more...

University of North Dakota

Whether you’re looking to advance in your current role or transition into a new one, UND’s online Master of Science in Cyber Security is a great choice. Our master’s program allows you to complete general coursework or specialize in one of three areas that can prepare you for leadership in the growing field of cyber security.

 

Choose from four tracks:

- Autonomous Systems Cyber Security

- Data Security

- Cyber Security and Behavior

- General Cyber Security

 

100% Online. Transfer credits accepted. 20 months to complete. No prior work or education experience required.

 

About University of North Dakota:

UND is ranked alongside Stanford, Harvard and Massachusetts Institute of Technology (MIT) among the Top 25 Most Innovative Schools by US News and World Report. Our groundbreaking discoveries, economic impact and notable alumni are a testament to our belief that results matter. Our online master’s in cyber security program is offered through the UND College of Engineering & Mines (CEM) — one of the most well-respected engineering schools in the upper Midwest. That means when it comes to quality, you can be confident in UND.

Programs:

  • Master of Science in Cyber Security

ECPI University

Making the decision to earn your degree and pursue your career goals could be the best decision you ever make. Enroll at ECPI University and you’ll join a collaborative and fostering learning environment, surrounded by faculty and staff who are there to support you through the entire process.

 

What Are You Waiting For?

Programs:

  • Cloud Computing - Bachelor's
  • Cyber and Network Security - Bachelor's
  • Network Security - Associate's
  • And more...

Full Sail University - Online

Learning at Full Sail University has always centered around interaction and the exchange of ideas. Our online curriculum fully embraces this philosophy.

Programs:

  • Cloud Technologies Bachelors - Online
  • Graphic Design, Bachelor of Science (Online)
  • Entertainment Business, Master of Science (Online)
  • And more...

Regis College

As a leader in education, Regis is dedicated to offering programs with a holistic view of health services that are designed for the future of the field. Through cutting-edge coursework, industry-active faculty members, and an array of majors and graduate programs, Regis has been able to positively impact the educational community, health services landscape, and personal lives of students nationwide.

Programs:

  • Online Master of Public Health - Epidemiology Concentration
  • Online Master of Public Health
  • Online Master of Health Administration
  • And more...

Villanova University

You can receive a top-notch education in a flexible environment. Learn more about the Villanova online learning experience and the difference that sets us apart by further exploring our online programs.

 

Programs:

  • Online Master of Laws in Taxation
  • Online Master of Science in Analytics
  • Online Master of Business Administration
  • And more...

Related Post

How to Obtain a Career in Correctional Nursing

Choosing to become a corrections nurse is a decision that should not be taken lightly. A corrections nurse is responsible for attending to inmates at correctional facilities across the country.

Why Taking a NCLEX Refresher Course is Important

Every licensed nurse in the United States has gone through the grueling experience of taking the National Council Licensure Examination, or NCLEX, and most likely every nurse can verify that an NCLEX