Nurse Insurance in Massachusetts

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Massachusetts Nursing Malpractice Insurance

As a practicing nurse in Massachusetts, you play a critical role in patient care—often involving complex responsibilities that may lead to allegations of malpractice. BizInsure offers fast access to multiple insurance quotes at competitive rates for both individual nurses and healthcare businesses.

Easily compare plans and choose coverage that meets your specific needs through our simple online application.

Who we cover

  • Registered Nurses (RNs)
  • Clinical Nurse Specialists
  • Nurse Practitioners (NPs)
  • Certified Nursing Assistants (CNAs)
  • Licensed Practical Nurses (LPNs) / Licensed Vocational Nurses (LVNs)
  • Certified Registered Nurse Anesthetists (CRNAs)
  • Nursing Schools and Healthcare Businesses
  • Nursing Students
  • Midwives
  • Travel Nurses
  • Aesthetic Nurses

Is Medical Malpractice insurance required for nurses in Massachusetts?

Yes. Advanced Practice Registered Nurses (APRNs) in Massachusetts must have Medical Malpractice (Professional Liability) insurance to work in the state. In Massachusetts, an APRN refers to Certified Registered Nurse Anesthetists (CRNA), Certified Nurse Midwives (CNM), Certified Nurse Practitioners (CNP), Clinical Nurse Specialists (CNS), and Psychiatric Nurse Mental Health Clinical Specialists (PNMHCS).

The Board of Registration Nursing has set a minimum coverage level of $100,000 per claim and $300,000 in the aggregate.

Always check with the Board of Registration Nursing and your state or local government to understand your licensing and insurance requirements.

BizInsure’s Professional & General Liability Package

BizInsure offers a comprehensive Professional & General Liability insurance package that combines:

  • Professional Liability / Medical Malpractice
  • General Liability
  • Cyber Liability

Other types of insurance for Massachusetts nurses

Professional liability insurance

Professional Liability / Medical Malpractice Insurance

This type of insurance helps protect you from claims of negligence, malpractice, errors, or omissions during the course of patient care. It typically covers:

  • Legal defense costs
  • Settlements and court-ordered compensation

It may include protection against:

  • Negligent or improper treatment, such as failing to warn about medication side effects or providing incorrect dosages
  • Misrepresentation, if a patient accuses you of providing misleading information that causes harm
  • Incorrect advice, if you give clinical guidance that leads to adverse outcomes
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General Liability Insurance

General Liability Insurance

General Liability insurance protects against claims involving third-party bodily injury or property damage. It’s commonly required for nurses who work as subcontractors for other healthcare entities or lease commercial space for their business.

Coverage may include:

  • Injury to patients or visitors caused by your work activities
  • Damage to patient property caused by your work activities
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Business Owner's Policy

Business Owner’s Policy

A Business Owner’s Policy combines General Liability and commercial property insurance into one convenient policy. It may be ideal for nurses who own or operate a small practice, clinic, or healthcare-related business in Massachusetts.

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Workers Compensation Insurance

Workers’ Compensation insurance

Massachusetts law requires most businesses, including healthcare providers, to carry Workers’ Compensation insurance if they have employees. This coverage is optional for self-employed nurses, but it can help cover:

  • Medical bills for work-related injuries
  • Lost wages during recovery
  • Legal expenses related to employee injury claims
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Business Owner's Policy

Cyber Liability Insurance

As a nurse, you likely handle confidential patient information, which may make you a target for cyberattacks or data breaches. Cyber insurance can help cover:

  • Notification costs for data breaches
  • Regulatory penalties
  • System recovery and fraud monitoring services
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How much does insurance cost for nurses in Massachusetts?

Nurses in Massachusetts pay an average of $X per month* for their insurance with BizInsure.

However, your exact costs depend on factors, such as:

  • Nursing specialty
  • Business size
  • Claims history
  • Type and level of coverage

Compare insurance coverage with BizInsure

BizInsure simplifies the process of finding affordable insurance options for Massachusetts nurses. Our easy-to-use platform allows you to compare quotes from top insurers, so you can choose coverage for your needs and budget.

Compare free quotes today and protect your nursing career with confidence.

*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
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.
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