Insurance for Registered Nurses
RN malpractice coverage for negligence, injury & abuse-allegation claims
Includes needlestick & medication-administration coverage
Starting from $45 per month
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What does registered nurse insurance cover?
Registered nurse 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 registered nurses need insurance?
Even with the right qualifications and professional care, registered nurses 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 A client trips over your medical bag or equipment during a home visit 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 error or failure to recognize changes in their condition 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 A nurse employed by your practice suffers a shoulder injury while assisting a patient with limited mobility. | 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 fire or burst pipe damages your office computers, medical supplies, and diagnostic equipment, interrupting your ability to provide patient 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 registered nurses need?
With BizInsure, you get a combined General Liability and Professional Liability package in a single policy. Most nurses carry Professional Liability, for claims tied to clinical judgment and patient care, alongside General Liability, for patient injury or property damage during a visit.
General Liability insurance
General Liability insurance protects registered nurses against claims of client or patient injuries, property damage, associated medical costs, and advertising injury. Our General Liability insurance includes Completed Operations Liability coverage. Coverage levels: Up to $1 million per occurrence Up to $3 million in the aggregate
Professional Liability insurance
Professional Liability insurance, known as malpractice insurance for registered nurses, protects against claims relating to your care and clinical judgment — including negligence, misdiagnosis-related allegations, or errors in treatment — even if you haven’t made a mistake.
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How much does Registered Nurses Malpractice insurance cost?
The average monthly cost of combined Professional & General Liability insurance for registered nurses is $45 with BizInsure.
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, you can get custom-tailored coverage levels to suit individual or employed registered nurses.
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, you can get custom-tailored coverage levels to suit individual or employed registered nurses.
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.u003cbru003ePer-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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