Nurse Insurance in Pennsylvania
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Insurance for Pennsylvania Nurses
Nurses are the backbone of Pennsylvania’s nursing homes and home health agencies. You work tirelessly to provide your patients with important medical care, but also support their families, your coworkers, and your local community. You put so much effort into caring for others, but who is looking after you?
BizInsure helps Pennsylvania nurses like you find insurance to protect them from common risks they may face while on the job. From Pittsburg to Philadelphia, Scranton to Lancaster, and everywhere in between, BizInsure has the backs of nurses and other healthcare professionals seeking business insurance coverage.
Why become a Registered Nurse in Pennsylvania?
Registered Nurses (RN) are in high demand in Pennsylvania. If you’re considering a new job or the next step in your healthcare career, becoming a registered nurse could be an excellent choice. It’s a challenging job, but also one where you can potentially improve the lives of patients in the Keystone State.
According to the Bureau of Labor Statistics, there were 146,640 registered nurses working in Pennsylvania in 2020 (the most recent year where data is available). Nationally, the number of registered nurses is expected to grow by 9% between 2020 and 2030, keeping pace with the projected average growth rate for all occupations during that same period.
Pennsylvania currently boasts the highest employment rate for registered nurses in the country. Furthermore, the greater Philadelphia area has the highest employment rate for RNs of any metro area in the United States.
Registered nurses in Pennsylvania earn an average of $74,170 per year, close to the national average of $75,330. Where you work can have a big impact on your expected income as a RN.
Average annual salaries in some of Pennsylvania’s cities (as of May 2020):
- Philadelphia – $79,980
- Harrisburg/Carlisle – $76,580
- Pittsburgh – $70,180
- Scranton/Wilkes-Barre – $69,840
- State College – $67,440
Why do Pennsylvania nurses need insurance?
Being a nurse is rewarding, but it can also be challenging and unpredictable. From the unique workplace risks you face to everyday accidents, you may need to prepare for the worst—just in case. Insurance is one way that Pennsylvania nurses protect their professional reputation, their finances, and their patients.
Accidents happen, and unfortunately, they can have terrible consequences for some patients. If this happens, you could be named in a resulting liability lawsuit and forced to compensate your patient or their family. This is where insurance coverages like General Liability and others could help. Policies can help shield you from the devastating financial impacts of liability claims.
Did you Know?
Nurses leasing commercial space may be required by their landlord to have General Liability insurance.
Nursing Liability Insurance PA
Pennsylvania nurses may consider multiple forms of insurance to help protect them against many of the common risks they could face in their line of work.
General Liability insurance for Pennsylvania Nurses
General Liability insurance, also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, protects nurses and other small businesses against bodily injury or property damage lawsuits from outside parties. Your policy covers your legal expenses, as well as the costs of replacing or remedying the situation up to the policy’s liability limits. A General Liability policy typically provides coverage for claims regardless of whether they have merit or not.
What is typically covered?
Coverage provided by a General Liability insurance policy typically protects businesses against claims or lawsuits arising from:
- Third-party injuries
- Damage to a third party’s property
Typically, a Generally Liability policy will also cover claims that are without merit. Baseless allegations brought by a patient, their family, or another third party can be just as costly to resolve as those where you are liable. Nurses can work with greater peace of mind knowing that they will not be financially devastated by an unfounded claim or lawsuit.
What is not typically covered?
Events not covered by General Liability insurance typically include (but are not limited to):
- Injuries you personally sustain while working
- Damage to your own property
- Professional errors or negligence
- Damage intentionally done to a third-party’s property
Malpractice Insurance for Nurses in PA
Malpractice Liability insurance, also known Professional Liability insurance, protects nurses against claims of negligence, misrepresentation, or mistake, including unintentional document or paperwork errors that can be damaging to both their finances and their professional reputation. A Malpractice Liability insurance policy will typically provide coverage against both justified and baseless claims made by a third party.
What is typically covered?
Malpractice Liability coverage typically protects businesses against lawsuits or claims regarding:
- Errors or mistakes in your work
- Unintentional omissions in the professional advice you’ve provided
- Professional negligence
- Undelivered services and missed deadlines
Your Malpractice Liability insurance policy will typically cover the expense of hiring an attorney and other court costs if you are named in a malpractice lawsuit or claim. It may also pay any settlements or judgements that result from legal action, up the policy limits. Importantly, these protections apply to both substantiated and unfounded claims.
What is not typically covered?
Malpractice Liability insurance typically does not cover events such as, but not limited to:
- Third-party bodily injury
- Third-party property damage
- Workplace injuries and illnesses
Cyber Liability Insurance for PA Nurses
Cyber Liability insurance helps protect nurses and healthcare professionals against malicious software attacks, data breaches, viruses, and phishing. These policies typically cover legal fees, the cost of notifying customers of a breach, credit monitoring, and fines that you may be ordered pay.
Who needs nurse insurance in Pennsylvania?
BizInsure’s selection of nursing liability insurance for PA can help protect many healthcare professionals, including:
- Nurse Practitioners
- Home Health Aides
- Home Health Agencies
- Physical Therapists
- And many more!
Do my employer’s policies cover me?
Nurses working in Philadelphia, Pittsburg, and other areas of Pennsylvania are often employed by a nursing home, home health agency, or a similar medical business. In these cases, the employer will typically have liability insurance policies that also provide some coverage to their employees. However, these policies may not fully protect you.
Your employer’s liability policies are designed to protect them and their business. This means that nurses and other medical professionals could be vulnerable if a claim or lawsuits is made against their work. Depending on how your employer’s insurance policies are worded, you may be only partially protected. Independent contractors and part time employees may not be covered at all.
Nurse insurance in Pennsylvania can help you better protect yourself. Your policy will be customized to fit your individual needs as a healthcare professional and help ensure that your best interests are protected, rather than those of your employer. Knowing that you are more fully covered could provide greater peace of mind to you and your patients.
How much does nurse insurance cost in PA?
Insurance for nurses can vary in price from one nurse to the next. This is because every nurse is unique, and your insurance will need to reflect the unique risks you may face while on the job.
Factors that may impact the cost of nursing liability insurance in PA may include (but are not limited to):
- Your qualifications – This includes any relevant education you have completed or professional licenses you hold.
- The geographic location you work in – A nurse working in Philadelphia or Pittsburg may pay more for coverage than nurses working in less populated areas of the state.
- Your past claims history – Previous liability claims can impact the amount you will pay for your coverage.
- The amount of coverage you are seeking – More coverage will likely translate to higher premiums.
To better understand the premium you will pay for your insurance coverage, you may want to compare quotes from multiple insurers. BizInsure makes it easy to find, compare, and buy nursing liability insurance in PA.
Why choose BizInsure for nurse insurance in Pennsylvania?
Nurses in Pennsylvania are choosing BizInsure for their insurance needs:
Licensed human support
Licensed agents are available to assist you during before, during, and after you purchase your policy.
Frequently Asked Questions (FAQs)
How much nurses insurance do you need in Pennsylvania?
The amount of insurance that nurses in Pennsylvania need will vary depending on your professional circumstances. Nurses and healthcare professionals working in specialties that are considered high risk may need more coverage than those working in less risky ones. Additionally, if you work in a large metro area, such as Philadelphia or Pittsburg, you may need more coverage than a nurse who works in a more rural location.
Are you required to have NP or RN Insurance in Pennsylvania?
Pennsylvania nurses, including nurse practitioners and registered nurses, are required by law to have Worker’s Compensation insurance if they hire employees. This may apply to you if you run a home health agency that employs nurses or other staff. As a sole proprietor, you may choose to purchase an individual policy to protect yourself against workplace injuries or illnesses.
Other forms of coverage are not required by law in Pennsylvania. However, you may need to show proof of General Liability insurance by a commercial landlord if you lease office space or other business premises.
Even if you are not required to have insurance, you may still want to consider it. Liability claims can be expensive to resolve. Without the protections that insurance coverage can provide, you would be left to cover the costs of lawsuits and compensation claims from your own pocket. This can potentially be financially devastating for individuals. Nursing liability insurance in PA could help you avoid the negative financial impacts of these events.