What is Malpractice Insurance (aka Professional Liability Insurance) for nurses?

One of the biggest risks nurses face within the workplace is a medical malpractice claim. Medical malpractice is defined as professional negligence by a nurse, physician or other medical professionals while administrating a treatment or the omission of required medical treatment.

For a malpractice case to be made, it must clearly involve a person who has a duty of care, who demonstrated a failure to exercise care, resulting in injury or financial damages due to the failure of care.

Even if you are not found liable, a lawsuit can still be made for allegations that your practice failed to deliver promised services, displayed negligence while performing services or made critical mistakes and oversights while a patient was under your duty of care.

As a nurse, Malpractice Insurance is designed to provide peace of mind and financial protection, if you were faced with a claim for allegations of malpractice and could cover your legal defence costs.

Court costs can run into the hundreds of thousands of dollars, an added cost which many individuals cannot afford to financially bounce back from. Malpractice Insurance should be one of the first things you consider as part of your overall risk management plan, so you can focus on the things that matter like your patients and their improving their wellbeing.

Do nurses need their individual Malpractice Insurance?

While employers may provide some form of Professional Liability coverage, Malpractice Insurance provides additional coverage if a claim were to occur, so you’re not left in a situation without enough coverage in place. Being able to choose your own level and type of coverage, means you can have the right insurance coverage in place to suit your unique coverage needs.

It’s important to check what type of coverage your employer has in place, as it may not or stay in effect after you leave your employer. The employer’s policy may not provide coverage for the personal fees associated with the case, leaving you financially out of pocket.

Malpractice Insurance also covers any additional work done outside of the setting of your employer, which may not be covered. For example, if you stop to help someone in need of urgent medical assistance outside of work hours or if you volunteer at a free clinic, additional coverage may be required to ensure you are protected if a malpractice lawsuit was made against you.

Get instant quotes

Friendly and very fast service!
Patricia S.
Jennifer Whiscombe, is an amazing agent. She was very knowledgeable, thorough and friendly. I highly recommend.
Ebony D.
They make it very easy to buy insurance and renew.
Bill N.
As a business owner I love not wasting time. Thank you so much for giving me more time
mario S.
Very straight forward, the cost of coverage amount made sense, simplicity was appreciated.
Jean H.
Always easy. Thank you.
Dave C.
A Company that is easy to deal with and that I have used for several years. I appreciate the continued support.
Sam M.
Very easy and affordable!
Volanda H.
Very easy to work with, cost effective, prompt renewal and easy to get certificates of insurance instantly. I use them exclusively for my professional and general liability insurance needs as a consultant.
Larry (.
Responsive and professionalCompetitive price. I highly recommend Bizlnsure as an insurance provider
Zynab B.
Your service is easy to renew as needed and your company informs the client in advance for renewal.
Henry B.
It has been a pleasure doing business with Biz Insure Llc.Their representatives are very courteous, helpful and customer service oriented.
Shonta I.
Quick and easy....
Tammy K.
I follow the instructions & would prefer to paid every month. I did not have the options to pay every month.
Alamo H.
Thank you, Amy, for making my experience enjoyable and funny. Thank you so much for your kindness!!!
George J.
I'm pleased with the business quote I received from Bizinsure LLC. Thank You!
Shanda J.
Very satisfied with the online experience
Nicole h
Been a happy customer for years! Easiest company to receive a quote and get insured. No hassles! Easy payment! Finance plans, if needed!
jodi H.
Love it
Hanna R.
Every year, BizInsure is my go to for general and professional liability insurance! Thenrates are unbeatable.
Calandra K.
The agent was quick and efficient in generating a quote for my needs.
Theresa F.
I enjoy working BizInsure they always answer all my questions and make sure i have the correct coverage for my business.
Prompt and professional service from Biz Insure. Thanks Leslie and Liza!
Bev G.
Very easy to sign up for insurance.
Great company
Brown G.
Fast and efficient!
Kim C.
It was great being able to get a policy that suits my company's need in less than 30 minutes. They were vey thorough. Very competitively priced.
Lynette C.
I worked with Andrea for another start up business. She was very knowledgeable and help me pick the correct policy. Amazed at how quickly the process went.
Representative was very kind, helpful, and educated me well. I appreciated today's prompt service with confirmation that I was satisfied with what was provided to me.
Tina P.
Great company for.your low cost business insurance needs.
constantin T.
Staff was very fessional and friendly. I was able to get a quote and move forward within 20 minutes.
Pebbles S.
Complete C.
Super easy process.
Ashley G.
It’s very easy to understand and at a very reasonable price.
Mary M.
Professionalism, Quality, Responsive and budget friendly
Great rates, easy to understand and select appropriate coverage, can get in a jiffy
Brie C.
I have been a customer of BizInsure for a few years now and I love it. There customer service is awesome and the prices are affordable.
Danyale W.
Quick easy experience! The rep was knowledgeable & pleasant. Customer care was awesome to respond and clarify my concerns.
Kathy Ann A.
Google Rating
Based on 262 reviews