There are pros and cons on this and you can find this topic in every nursing forum. If you searched this forum you will find a thread. Personally, I have heard every employer tell me that I should NOT buy my own policy to avoid the "deep pocket" syndrome if hit with a lawsuit. However, then I read threads in nursing forums where nurses have been affected by lawsuits and the advice is often "get your own policy and don't depend on your employer". It's difficult to know what the right thing to do is, so I err on the side of too much coverage and went with my own policy.