Insurance for LPNs and LVNs
Insurance for Licensed Practical & Vocational Nurses
Covers you in nursing homes, physician’s offices and homes
Combined Professional + General Liability $45/mo on average
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From multiple carriers
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Save Money
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Instant Coverage
Delivered to your inbox
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What does LPN/LVN insurance cover?
LPN/LVN insurance helps protect your business from the financial impact of claims arising from the nursing care you provide and your day-to-day business activities.
Depending on the policy, coverage may include:
- Legal defense costs
- Settlements or damages
- Third-party bodily injury
- Property damage
- Malpractice or negligence claims
- Employee injury benefits under Workers’ Compensation
- Damage to business property under a Business Owner’s Policy (BOP)
Be sure to read your policy documents carefully to understand what’s covered.
Why do LPNs/LVNs need insurance?
Even with the right training and professional care, LPNs and LVNs can face malpractice claims, accidental injuries, property damage, or other unexpected incidents while providing nursing services. Insurance can help protect your nursing business from the financial impact of these unexpected events.
| Risk scenarios | Coverage benefits |
|---|---|
| Client injury While assisting a patient with mobility, the patient loses their balance, falls, and suffers an injury. | General Liability Insurance can help cover legal costs and compensation if your business is held responsible for a third-party injury. |
| Malpractice or negligence claim A patient alleges that a medication administration error or failure to follow their care plan resulted in further illness or injury. | Professional Liability Insurance can help cover legal defense costs, settlements, or damages arising from claims of negligence, errors, or omissions in the professional services you provide. |
| Cyber breach A cyberattack compromises your electronic patient records, exposing confidential personal and medical information. | Cyber Breach Response Services coverage can help with the costs of responding to a data breach, including notifying affected individuals and certain breach response expenses, subject to the policy terms. |
| Employee injury An employee suffers a back injury while helping reposition a patient during an in-home visit. | Workers’ Compensation Insurance can help cover medical expenses, lost wages, and other benefits for employees who suffer work-related injuries or illnesses, where required by state law. |
| Damaged equipment A burst pipe damages your office computers, patient files, and medical equipment, disrupting your ability to provide care. | A Business Owner’s Policy (BOP) can help cover the cost to repair or replace damaged business property following a covered event, helping your business recover sooner. |
What types of insurance do LPNs and LVNs need?
BizInsure offers a combined Professional Liability and General Liability package covering patient care duties alongside injury or property damage claims.
Professional Liability insurance
Professional Liability insurance, known as malpractice insurance for LPNs and LVNs, protects against claims relating to your patient care and clinical duties, including negligence, medication errors, or failure to follow a care plan, even if you haven’t made a mistake.
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How much does insurance for LPNs and LVNs cost?
Combined Professional and General Liability insurance for LPNs and LVNs cost starts from $42.31 per month.
Factors influencing cost
- Risks of the industry
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Get flexible coverage to match your needs
With BizInsure, LPNs and LVNs can get custom-tabled cover levels to suit your unique insurance.
Factors influencing cost
- Risks of the industry
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Get flexible coverage to match your needs
With BizInsure, LPNs and LVNs can get custom-tabled cover levels to suit your unique insurance.
Unsure how much to choose? Think about:
- Statutory professional requirements
- Coverage required by contracts
- Number of employees being covered
- Your contract value
- Worst case scenario claim size
Frequently asked questions
Per-occurrence and aggregate limits both refer to the maximum payout of an insurance policy, but in different settings.
Per-occurrence limits are the maximum amount a policy will pay for any one incident or claim. Aggregate limits are the maximum amount that will be paid over the duration of the policy.
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