You could call the state board of nursing and ask if there is ceriatn private insurance required for that specialty area (birth center), or talk to the human resources dept. of whatever hospital you are looking into working at. In my state, you do not require private insurance, the hospital completely covers you unless you are found to be guilty of some kind of gross negligence, then you're on your own if you have been named individually apart from the hospital itself in a lawsuit.I have heard conflicting information on whether it it is a good idea to have private insurance or not. Some say it makes you an easy target, that if something happens and the lawyers for the family find out you carry insurance, they will go after you all the more. If you have nothing but the hospital coverage, they can't get blood from a turnip, so to speak, and will leave you alone.Apart from insurance, every employer offers a different contract, and your interview is your chance to ask all about these things, and their opportunity to tell you what you'll need to do in order to abide by the contract. Make sure you have all the information in hand before accepting employment. Talk to the union (if you have one), and ask them the same questions you ask the employer.References : RN
