Comments on: Liability Insurance http://npbusiness.org/2007/10/23/liability-insurance/ Resources for NPs in Business Sun, 20 Jul 2008 11:34:52 +0000 http://wordpress.org/?v=2.1.3 By: Carla Anderson http://npbusiness.org/2007/10/23/liability-insurance/#comment-356 Carla Anderson Sun, 28 Oct 2007 17:50:02 +0000 http://npbusiness.org/2007/10/23/liability-insurance/#comment-356 Hi, I finally got my corporate insurance for Healing Practice Family Practice, PC from NSO for 1500.00 a year. They did not give me any problem, and I had them as an individual self employed prior to this. However, I am not sure about the CNM license issue. I wonder if this NP is close to me geographically. If she is interested I would like to talk with her. I agree, you should not have to give up your license in a certain area, and I think as long as the policy states she is not covered as a CNM, and assumes all liability for that, the companies should be comfortable covering her for the FNP part. I will try to find out any information I can. Carla Anderson Hi,

I finally got my corporate insurance for Healing Practice Family Practice, PC from NSO for 1500.00 a year. They did not give me any problem, and I had them as an individual self employed prior to this. However, I am not sure about the CNM license issue. I wonder if this NP is close to me geographically. If she is interested I would like to talk with her. I agree, you should not have to give up your license in a certain area, and I think as long as the policy states she is not covered as a CNM, and assumes all liability for that, the companies should be comfortable covering her for the FNP part. I will try to find out any information I can. Carla Anderson

]]> By: Susan E. Nimmo http://npbusiness.org/2007/10/23/liability-insurance/#comment-372 Susan E. Nimmo Mon, 12 Nov 2007 19:37:11 +0000 http://npbusiness.org/2007/10/23/liability-insurance/#comment-372 I have submitted 1600 dollars and application for insurance coverage to an NSO agency Proliability and they kept my application and money for a month and then said that they could not insure me because I have a lab in my clinic. They did not want to take the risk because I would be reporting lab results from the CLIA waived testing that I would be performing. I told them I need to speak with their underwriter that made that decision but they have yet to call me. I do not understand what kind of clinic they would insure if they did not do lab tests? It would be a very unhealthy clinic situation if you were making decisions without lab to help evaluate for pregnancy, mono, strep etc. What do they think NPs do? I have submitted 1600 dollars and application for insurance coverage to an NSO agency Proliability and they kept my application and money for a month and then said that they could not insure me because I have a lab in my clinic. They did not want to take the risk because I would be reporting lab results from the CLIA waived testing that I would be performing. I told them I need to speak with their underwriter that made that decision but they have yet to call me. I do not understand what kind of clinic they would insure if they did not do lab tests? It would be a very unhealthy clinic situation if you were making decisions without lab to help evaluate for pregnancy, mono, strep etc. What do they think NPs do?

]]> By: bcp http://npbusiness.org/2007/10/23/liability-insurance/#comment-373 bcp Tue, 13 Nov 2007 03:27:47 +0000 http://npbusiness.org/2007/10/23/liability-insurance/#comment-373 Hi Susan, Welcome to NPBusiness.ORG I had difficulty with NSO as well. The lab question never came up (and yes, I do perform CLIA waived tests), however, they turned me down because I share space with an Acupuncturists - even though she has her own business structure/entity, insurance, etc. The make no sense to me. I ended up with CM&F Group without any problems at all. It seems that NSO if fine when we are employed, but not when we decide to go out on our own. Barbara C. Phillips, NP Hi Susan,

Welcome to NPBusiness.ORG

I had difficulty with NSO as well. The lab question never came up (and yes, I do perform CLIA waived tests), however, they turned me down because I share space with an Acupuncturists - even though she has her own business structure/entity, insurance, etc. The make no sense to me.

I ended up with CM&F Group without any problems at all.

It seems that NSO if fine when we are employed, but not when we decide to go out on our own.

Barbara C. Phillips, NP

]]> By: Carla Anderson http://npbusiness.org/2007/10/23/liability-insurance/#comment-375 Carla Anderson Tue, 13 Nov 2007 06:33:07 +0000 http://npbusiness.org/2007/10/23/liability-insurance/#comment-375 Hi Susan, I also perform Clia Waived lab tests, and did not have any problem with NSO insuring my clinic Healing Presence Family Practice, PC. I am a solo practitioner, but they know I may have staff in the future. They insured my business name, as a corporation or firm, policy. So I am wondering if they mis understood and somehow thought you were doing Clia tests, not Clia "waived" tests? It seems there is no difference from what I do and what your clinic does. I know there was a question about "would you be interpreting pathology?" Such as paps, and cytology, and I said no, because I am NOT doing that. I outsource that to Quest labs. If that is all that stands in the way of getting insurance than I would rather not do that. Hi Susan,

I also perform Clia Waived lab tests, and did not have any problem with NSO insuring my clinic Healing Presence Family Practice, PC. I am a solo practitioner, but they know I may have staff in the future. They insured my business name, as a corporation or firm, policy. So I am wondering if they mis understood and somehow thought you were doing Clia tests, not Clia “waived” tests? It seems there is no difference from what I do and what your clinic does. I know there was a question about “would you be interpreting pathology?” Such as paps, and cytology, and I said no, because I am NOT doing that. I outsource that to Quest labs. If that is all that stands in the way of getting insurance than I would rather not do that.

]]> By: Leslie McDowell http://npbusiness.org/2007/10/23/liability-insurance/#comment-654 Leslie McDowell Tue, 19 Feb 2008 19:26:46 +0000 http://npbusiness.org/2007/10/23/liability-insurance/#comment-654 I am opening my own solo provider clinic in western NC. I will provide primary healthcare for adults. My collaborating MD is a Family Practice doctor, and his malpractice insurance will not cover him in this role as a "Medical Director who is not providing direct patient care". She equated this to a medical director of a spa where Botox injections and laser hair removal are done. I am searching now for policies that will cover him. Does anyone have any ideas? Thanks. Leslie I am opening my own solo provider clinic in western NC. I will provide primary healthcare for adults. My collaborating MD is a Family Practice doctor, and his malpractice insurance will not cover him in this role as a “Medical Director who is not providing direct patient care”. She equated this to a medical director of a spa where Botox injections and laser hair removal are done. I am searching now for policies that will cover him. Does anyone have any ideas? Thanks. Leslie

]]>