Do you need separate insurance coverage from what your group or organization may provide? What are the pro/ cons to having separate insurance?

Review the http://www.npcentral.net/malpractice/buying.mistakes.shtml link and answer the questions below

Is it necessary to purchase liability/malpractice insurance when working as an APRN?
Do you need separate insurance coverage from what your group or organization may provide? What are the pro/ cons to having separate insurance?
What is the standard malpractice coverage that is available and advised as an APRN? What does it cover?
Are there additional options or coverages for special circumstances available?
What are the standard rates of coverage?
What malpractice coverage would you select for yourself once you start to practice? Be specific