Insurance for nurses

As a nurse, your career is focused on helping people. You provide important medical care to patients, as well as support to their families, your coworkers, and the wider community. You work tirelessly day in and day to provide the highest standard of care possible. But who’s looking after you?

At BizInsure, you’re in good hands with our selection of insurance products that are designed to provide nurses like you with the protection needed to care for your patients with confidence.

Why do nurses need insurance?

Even with the most diligent attention, accidents, errors, and accusations could derail a nurse’s career.

A malpractice lawsuit can greatly impact your finances, and you could be responsible for the legal costs of defending yourself, court fees, lost wages due to court appearances, and damages (if you are found at fault).

In some states, liability insurance is required for to get and maintain certain nursing licenses.

BizInsure is here to help healthcare professionals get tailored registered nursing liability insurance that fits your unique needs.

Did you Know?

Most commercial leases require nurse to have general liability insurance.

Nurse Practitioner Malpractice Liability insurance

One of the most common risks which nurses are faced with in the workplace is being named in a malpractice lawsuit. The results from a claim can not only be devastating to your reputation, but they can also devastate you financially.

Malpractice Liability insurance, also known as Professional Liability insurance for nurses, gives coverage in addition to an employer’s Professional Liability policy. Your employer’s liability policies may not fully protect employees from claims and lawsuits, which is why many nurses choose to have their own coverage.

Malpractice Liability insurance pays legal expenses (up to the limits of liability) and covers claims with merit and baseless allegations.

Get affordable nurse malpractice insurance tailored to protect you

As a nurse, you’ve built a career helping and treating patients, your colleagues, and your community. Yet all that hard work could be at risk if you face a lawsuit, even if you have coverage from your employer.

Nurse Malpractice insurance (sometimes called RN liability insurance) helps protect your career and financial future. It offers peace of mind with coverage for your business assets, livelihood, and reputation.

BizInsure puts nurses’ interests first, with customized insurance policies that are designed to protect unique occupational needs. Healthcare professionals have trusted BizInsure for over 13 years.

What does nurse practitioner liability insurance cover?

Nurse practitioner liability insurance can cover many common risks apart from your malpractice. Depending on the coverage you choose, you could help protect your business against claims like:

Negligence or improper treatment – Allegations that your services resulted in harm to a patient, such as failing to disclose medication side effects.
Misrepresentation – Allegations that you provided misleading information to a patient that resulted in harm.
Incorrect advice – Mistakes or errors when providing medical services or advice to a patient.
Injury and property damage – Accidental injury or property damage claims from patients or members of the public caused by your work activities.
Cyber breach of privacy – Cyber Liability coverage to comply with the Health Insurance Portability and Accountability Act (HIPAA).
Equipment breakdown – Repairing or replacing breakdown of equipment that is essential to running your business.
Hired and non-owned auto – Coverage for vehicles hired for business use.

Nurse insurance coverage benefits with BizInsure

BizInsure offers a Professional and General Liability Package tailored for nurses which offers:

Limits of liability of $1 million per occurrence and $3 million in the aggregate

Professional Liability

Provides coverage for accusations of negligent care, advice, consultation and includes Bodily Injury / Property Damage coverage as it relates to professional services (specifically excluded in General Liability); includes settlements and judgements ordered by the court

General Liability

Provides coverages for Bodily Injury / Property Damage coverage (Indirect, professional services excluded), damage to rented premises, medical expenses, Personal & Advertising Injury); includes settlements and judgements ordered by the court

Abuse & Molestation coverage

Accusations of abuse & sexual misconduct

Information Security & Privacy Liability

Regulatory Defense and Penalties and PCI Fines, Expenses and Costs, Breach Response Services.

Optional Coverage

Hired & Non-Owned Auto – Provides coverage for vehicles that are used for work but are not owned by the business

Nursing and healthcare professionals we insure:

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

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What types of insurance do nursing professionals need?

Nurses may benefit from various insurance policies that help them meet regulatory requirements and protect against common risks.

Professional & General Liability Package

We offer a customized Professional & General Liability package that bundles coverage suited to the needs of nursing professionals. The package includes Malpractice Liability (Professional Liability), General Liability, Abuse & Molestation coverage, and Cyber Liability.

Each of these types of insurance offers some form of protection against the risks commonly faced by your profession, providing you with peace of mind and comprehensive coverage.

General Liability

General Liability insurance is an essential form of insurance that is designed to protect you against certain claims which may arise from third parties. Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance can protect your business against bodily injury or property damage lawsuits from outside parties.

Cyber Liability

With technology now fully integrated into the medical workplace, the risk of cyber-crime continues to grow. Cyber Liability insurance protects your business against malicious software attacks, data breaches, viruses, and phishing. It also covers legal fees, notifying customers of a breach, credit monitoring, and fines.

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How much does insurance for nurses cost?

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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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.