Insurance for LPNs and LVNs
- Insurance for Licensed Practical & Vocational Nurses
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Comprehensive LPNs and LVNs malpractice Insurance
Malpractice insurance for LPNs and LVNs helps you manage the cost of claims and lawsuits related to professional negligence, even if you are not at fault.
Negligence claims are, unfortunately, all too common in healthcare settings. LPNs and LVNs malpractice insurance can help you protect your finances and professional reputation (up to the limits of liability).
Our CNA liability insurance includes:
- Legal defense costs, including settlements or court expenses.
- Accidental injury to any person in your care, such as a fall during mobility assistance.
- Negligence, such as giving incorrect assistance or missing important care instructions.
- Property damage, to a client’s home or belongings.
- Abuse Allegations: including claims of physical or sexual misconduct, even if the allegations are unproven.
- Needlestick coverage, for Registered Nurses administering services they are licensed to perform in their state.
- Includes medication administration, covers if it is a Registered Nurse performing services they’re licensed to in their state
- Hired & Non-Owned Auto
- Regulatory proceedings
- Medical Billing E& O
- Vicarious liability
- Loss of personal information
- First aid coverage
BizInsure offers you custom-built professional and general liability insurance for your LPNs and LVNs to protect your livelihood, career, and reputation.
Why do LPNs and LVNs need insurance?
Licensed practical nurses (LPNs) and licensed vocational nurses (LVNs) provide hands-on medical care in nursing homes, residential care facilities, physician’s offices, and private homes, exposing them to risks such as negligence claims, malpractice lawsuits, property damage, and cyber breaches. Even when not at fault, defending against these claims can be costly.
That’s why BizInsure offers insurance options tailored to LPNs and LVNs to help them protect their financial future and professional reputations.
LPNs and LVNs Malpractice Liability Insurance
Different types of insurance are available to LPNs and LVNs, including:
Professional Liability insurance (also called LPN or LVN malpractice insurance) helps cover legal expenses and compensation payments, up to the limits of liability.
Highlights
- Negligence or misconduct in daily responsibilities
- Breach of duty, such as failure to deliver services promised
Coverage levels:
- Up to $1 million per occurrence
- Up to $3 million in the aggregate
General liability insurance protects CNA against claims of patient injuries, property damage, associated medical costs, and advertising injury. For example, a client slipping and injuring themselves while in your care.
LPNs and LVNs often interact with various members of the public, including patient families, doctors, nurse practitioners, and other healthcare professionals. General Liability insurance can help you manage injury and property damage claims brought by these and other third parties.
Coverage levels:
- Up to $1 million per occurrence
- Up to $3 million in the aggregate
Sexual and Physical Misconduct coverage
Abuse and molestation coverage protects LPNs and LVNs against allegations of sexual molestation and physical abuse by clients and employees.
Coverage levels:
- Up to $100,000 per occurrence
- Up to $300,000 in the aggregate
Cyber Breach Response Services coverage
Cyber Liability insurance helps LVNs and LPNs recover from cyberattacks and data breaches as healthcare businesses increasingly rely on connected devices, digital records, and online payments.
Coverage levels:
- Up to 25,000 notified individuals in the aggregate
- Up to $100,000 in the aggregate
How much does insurance for LPNs and LVNs cost?
LPNs and LVNs 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.
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