Nurses Insurance in Ohio

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Insurance for Ohio Nurses

Ohio nurses are an essential part of the state’s healthcare industry. Whether you work in a nursing home or for a home health agency, the medical care you provide to your patients is crucial. However, your work doesn’t end there: you also support patient’s families, your coworkers, and the broader community. You work tirelessly caring for others, but who is caring for you?

BizInsure helps nurses like you find insurance, no matter where in Ohio you work. Nurses in Columbus, Dayton, Cleveland, and elsewhere in the state can easily compare and buy policies designed to protect them against the unique workplace risk they may face.

Why become a Registered Nurse in Ohio?

Becoming a Registered Nurse (RN) in Ohio could be an excellent way to begin or take the next step in your healthcare career. RNs are in demand across the country and will likely enjoy strong employment prospects in the Buckeye State for years to come. Plus, you could make a positive impact in the lives of countless patients and their families.

The Bureau of Labor Statistics (BLS) counted 129,090 registered nurses in Ohio as of May 2020, according to the most recent data available. The BLS expects the total number of registered nurses in the United States to grow by 9% by 2030, on track with the average projected growth for all occupations.

Ohio has an excellent employment rate for registered nurses, even outside of the state’s major cities. In fact, non-metro parts of northeastern and southern Ohio have some of the highest employment rates and one of the highest concentrations of registered nursing jobs of all non-metro areas of the country, respectively.

On average, registered nurses in Ohio earn $69,750 per year. This is below the national average of $75,330, but is dependent on where you will be working. Cleveland RNs can earn closer to the national average at $73,130. Registered nurses in Cincinnati make on average $71,980 per year and those in Columbus $69,410.

Why do nurses need insurance in Ohio?

Nursing is a rewarding and fulfilling career for many, but it also full of challenges and at times can be unpredictable. Ohio nurses often take steps to manage their unique on-the-job risks, as well as everyday accidents that can happen in any workplace. Insurance is one way to do this.

Even the smallest mistake or accident can result in a claim or lawsuit. If a patient alleges injury or some sort of financial loss, you could be found liable. Would you be able to afford to compensation for your patient or their family? Registered nurses insurance in Ohio can help shield you against the financial fallout of liability claims and lawsuits that you may face in the course of your work.

Did you Know?

Property managers often ask for proof of General Liability insurance to lease an office or other commercial space.

Nurses Insurance in Ohio

Ohio nurses often consider different types of insurance to help protect them and their patients against some of the everyday risks that they may face while on the job.

General Liability insurance for Ohio Nurses

General Liability insurance helps shield nurses and other small businesses against third-party claims and lawsuits resulting from bodily injury or property damage. Also referred to as Commercial General Liability (CGL) or “slip and fall” coverage, a policy usually covers your legal expenses and the cost of compensating the third party, up to the limits of liability. This coverage is typically extended to baseless claims, as well as those that do have merit.

What is typically covered?

A General Liability insurance policy will typically protect you when a claim or lawsuit is made for the following reasons:

  • A third-party is injured as a result of your work actions or on your premises
  • You cause unintentional damage to a third party’s property

 

While General Liability insurance protects you in instances where you are liable, it also provides coverage against unfounded or meritless claims. A baseless claim can quickly drain your savings account or derail your career, the same as one that is true. General Liability insurance may provide nurses with greater peace of mind, so they can work with greater confidence and less worry over unfounded claims or lawsuits.

What is not typically covered?

General Liability insurance typically does not cover events such as:

  • Workplace injuries sustained by yourself or your employees
  • Damage or theft of your personal property
  • Intentional damage of a third-party’s property
  • Errors in your work

Nurses Malpractice Insurance in Ohio

Malpractice Liability insurance helps protect nurses and other professionals against claims of negligence, misrepresentation of professional advice, or mistakes in their work. Also referred to as Professional Liability insurance, this coverage also includes protections against unintentional document or paperwork errors. Malpractice Liability insurance coverage protects against both justified and baseless claims that are made by a third party and could potentially devastate you financially or affect your professional reputation.

What is typically covered?

Malpractice Liability insurance typically provides coverage against lawsuits or claims resulting from:

  • Unintentional mistakes errors, or omissions in your work
  • Misrepresentation of professional advice or recommendations you have provided
  • Negligence
  • Missed deadlines and undelivered services

 

Nurses’ malpractice insurance in Ohio covers the cost of hiring an attorney to defend you in court, plus any other court costs associated with a lawsuit or claim. This usually includes settlements made out of court or judgements you are ordered to pay (up to the limits of your policy). These protections also apply to unfounded or baseless claims made by third parties.

What is not typically covered?

Events that are typically not covered by Malpractice Liability insurance include, but are not limited to:

  • Bodily injury sustained by a third-party
  • Damage to a third-party’s property
  • Personal workplace injuries and worker’s comp claims

Cyber Liability Insurance for Ohio Nurses

A Cyber Liability insurance policy protect businesses and healthcare professionals, such as nurses, against cyber security and software attacks including viruses, data breaches, and phishing. Policies will typically pay legal fees and fines resulting from a malicious cyber-attack, costs associated with notifying patients of a breach, and credit monitoring.

Who needs nurses insurance in Ohio?

BizInsure makes it easy for many types of healthcare professionals to find registered nurse insurance in Ohio, including:

 

Nurses in Columbus, Cincinnati, Cleveland and elsewhere in Ohio can quote, compare, and buy insurance in just minutes! Start your online application today or call to speak with one of our licensed agents.

Do my employer’s policies cover me?

Ohio nurses often work for nursing homes, home health agencies, or other medical and healthcare entities. Typically, your employer will maintain insurance policies that protect them as a business and their employees. However, an employer’s policy may not be enough to fully protect you as an individual.

The policies taken up by your employer are designed to protect their business first and foremost. This could leave you only partially covered if a claim or lawsuit results from your work. If you are considered a subcontractor/independent contractor or a part-time employee, you might not be covered at all depending on the policy’s wording.

Registered nurse insurance in Ohio could help you more fully protect yourself on the job. Your individual policy will be tailored to fit your needs, not those of your employer. This can help provide important peace of mind, knowing that your best interests are being looked after while you care for your patients.

How much does nurse insurance cost in Ohio?

The field of nursing is full of many unique on-the-job risks. However, that doesn’t mean that every nurse will pay the same amount for insurance coverage. Insurance companies take many factors into account when pricing nurses insurance in Ohio, meaning that the premium you pay may differ from other nurses in your area.

Factors used to calculate insurance for nurses include, but are not limited to:

  • Training and qualifications – How knowledgeable and skilled are you at your job? Have you obtained/maintained the licenses necessary to work as a nurse in the state?
  • The city or area where you work – Nurses working in a large metro area, such as Columbus, might pay more than those working in more rural parts of the state.
  • History of claims – Previous insurance claims can affect your future premiums.
  • Coverage amount – How much cover you need or want will help determine the amount you pay for your policies.

Comparing quotes from multiple insurers can help you understand insurance prices in your area and find a policy that fits your needs as a nurse. With BizInsure, you can find, compare, and buy nurses insurance in Ohio in minutes!

Why choose BizInsure for nurses insurance in Ohio?

Ohio nurses are choosing BizInsure for their business insurance needs:

Easy application process

Get quotes in minutes without the complicated paperwork. We usually ask just 10 questions or less.

Compare quotes from top-tier insurers

Our insurers are all A-rated or better, giving you reliable and affordable options to compare.

Instant coverage

Whether you buy online or over the phone, you’ll receive your certificate of insurance instantly by email.

Licensed human support

Licensed agents are here to help at every step of the way!

Compare policies for Ohio nurses now – start a free online application today.

Frequently Asked Questions (FAQs)

Are nurses required to have malpractice or liability insurance in Ohio?

No, you are not required by law to have liability or nurses’ malpractice insurance in Ohio. However, you may want to consider having one anyway. As a nurse, you face many risks and hazards while on the job that liability insurance policies can help protect you against.

Nurses work closely with patients and their families. You regularly enter their hospital or nursing home room and may even do home visits, depending on what type of work you do. This creates opportunities for things to go wrong. For example, if you accidentally break an expensive vase in a patient’s home, you may be asked to compensate them for their financial loss. General Liability insurance provides coverage for incidents like this, so you don’t have to pay potentially expensive compensation from your own pocket.

Other types of liability insurance, such as Malpractice Liability and Cyber Liability, can also help Ohio nurses shield themselves financially and professional from other risks they may face in their line of work.

How much nurses insurance do you need in Ohio?

The amount of insurance that Ohio nurses need depends on their professional circumstances. Nurses that work in high-risk specialties may need more coverage than nurses that work in areas that are considered to be less risky. You may also need more insurance coverage if you work in a city, such as Cincinnati or Columbus, than a nurse working in a less populated part of the state.

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