Insurance for Nurses
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Nurse malpractice insurance
Nurses work hard to provide the highest level of care to their patients. But even with the most diligent attention, accidents, errors, and accusations can still happen.
BizInsure makes it easy for nurses to find malpractice liability insurance and other forms of coverage to help protect themselves on the job. Our comprehensive coverage and competitive rates are tailored to your needs and the risks of your occupation.
Why is nurses’ liability insurance important?
In some states, liability insurance is required for to get and maintain certain nursing licenses. It is an essential part of being able to work legally in many parts of the country.
Even if liability insurance is not required for nurses in your area, a policy may still be important. Malpractice liability claims and lawsuits can be expensive to defend yourself against, even if you are not at fault. Your policy could provide valuable peace of mind and financial protection against common risks you may face.
What does nurse malpractice insurance cover?
Malpractice liability, also known as Professional Liability or errors and omissions (E&O) insurance, can cover:
- Negligence – Allegations that your services resulted in harm to a patient, such as failing to disclose medication side effects.
- Misrepresentation – Allegations that you provided false or misleading information to a patient that resulted in harm.
- Inaccurate advice – Mistakes or errors when providing medical services or advice to a patient.
- Failing to protect a patient’s records – Allowing a patient’s healthcare data to be improperly accessed by third parties.
This type of insurance helps nurses cover legal fees, defense costs, and settlements and judgements.
Did you Know?
Most commercial leases require nurse to have general liability insurance.
Coverage for individual nurses
Professional Liability insurance can meet the needs of different healthcare professionals, including:
- Registered Nurse (RN)
- Clinical Nurse Specialists
- Visiting Nurses
- Nurse Practitioners
- Certified Nursing Assistants (CNAs)
- Licensed Practical Nurse/ Licensed Vocational Nurse (LPNs / LVNs)
- Certified Registered Nurse Anesthetist (CRNAs)
- Nursing Schools and Businesses
- Nursing Student
- Midwives
- Travel Nurses
- Aesthetic Nurses
Coverage benefits
BizInsure’s policies are designed to meet the unique needs of nursing professionals. They provide flexible, comprehensive coverage to help safeguard your finances and career.
Professional Liability coverage
Protects nurses and medical professionals from errors and omissions, mistakes, breach of contract, and libel or slander claims.
- Coverage levels up to $1 million per occurrence and $3 million in the aggregate
Additional coverage options
General Liability
Protects against third party claims of bodily injury or property damage. A General Liability policy is typically required to lease office or clinical space from which to run your business.
- Coverage levels up to $1 million per occurrence and $3 million in the aggregate
- Products/Completed Operations Liability coverage up to $1 million per occurrence and $3 million in the aggregate
Abuse & Molestation coverage
Helps nurses manage accusations of abuse & sexual misconduct.
Coverage levels up to $100,000 per occurrence and $300,000 in the aggregate
Breach Response Services coverage
Helps medical professionals manage cyber breaches, including notifying affected patients and clients that their data has been compromised.
- Up to 25,000 notified individuals in the aggregate
- Up to $100,000 in the aggregate
Hired & Non-Owned Auto
Provides coverage for vehicles that are used for work but are not owned by the business
How much does insurance for nurses cost?
Nurses pay $45 per month on average for a combined Professional & General Liability policy with BizInsure.
However, the price of insurance depends on a variety of factors, such as the health services you provide, your qualifications and licenses, and annual business revenue.
Comparing quotes from different insurers can help you understand how much you can expect to pay in premiums. BizInsure makes it quick and easy to do this, so you can find Malpractice insurance for nurses and other insurance coverages to suit your needs.
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FAQs
Are nurses required to get malpractice insurance?
Yes, specific nursing occupations are required to have malpractice insurance in some states. Nurses should check with their state nursing board to understand the insurance requirements in their area.
What types of nurses need nursing malpractice insurance?
Many types of nurses may need nursing malpractice insurance to work in their state, including registered nurses (RN), nurse practitioners, licensed practical nurses (LPN), and licensed vocational nurses (LVN).
While malpractice insurance may not be required for every type of nurse, it may still be important. Nursing malpractice insurance helps all types of nurses protect themselves from common on-the-job risks, such as negligence claims.
What types of nurses need nursing malpractice insurance?
Many types of nurses may need nursing malpractice insurance to work in their state, including registered nurses (RN), nurse practitioners, licensed practical nurses (LPN), and licensed vocational nurses (LVN).
While malpractice insurance may not be required for every type of nurse, it may still be important. Nursing malpractice insurance helps all types of nurses protect themselves from common on-the-job risks, such as negligence claims.
Learn more about insurance for nurses in the states where you work.
As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
