Skip Ribbon Commands
Skip to main content

Nurse​​​​​​​​​​​


Individuals - Professional liability.jpg


Professional Liability Insurance for Nurses

As a nurse, you’ve achieved success in your career by providing quality care to your patients. However, all it takes is one lawsuit to place your career, and possibly your financial future, at risk. Don't let a malpractice suit jeopardize all that you've worked so hard to accomplish.

* For more information on Forensic Nurse coverage, click here​.
* For more information on Legal Nurse Consultant  coverage, click here​.

Nurses are vulnerable to being sued. That's why NSO specializes in offering professional liability insurance for nursing professionals. Employer-provided coverage may be focused on insuring your employer. Nurses need coverage that places their interests first. 

Nurses malpractice insurance through NSO offers the following benefits: 

  • Professional Liability Coverage 

    • Covers you, up to $1 million each claim, for amounts that you become legally obligated to pay as a result of a professional liability claim arising out of a covered medical incident. 

    • Covers you, up to $6 million annual aggregate, for all covered claims in the policy period. 

  • Personal Liability Coverage – up to $1 million annual aggregate 

    • Covers you for legal liability for covered claims resulting from incidents at your residence, unrelated to your work. 

  • Defendant Expense Benefit – up to $25,000 annual aggregate, up to $1,000 per day 

    • Reimburses you up to the applicable limit for lost wages and covered expenses incurred when you are required to attend a trial, hearing, or proceeding as a defendant in a covered claim. 

  • License Safeguard – up to $25,000 annual aggregate 

    • Reimburses you up to the applicable limit for your defense of disciplinary charges and other covered expenses arising out of a covered incident if a complaint is brought against you before a state licensing board. 

  •  Personal Injury Coverage

    • Insures you, up to the applicable limits of liability, against covered claims arising from allegations of slander, libel, assault and battery, and other alleged offenses committed in the performance of your professional services. 

  • Medical Payments – up to $25,000 per person, up to $100,000 annual aggregate 

    • Pays up to the applicable limit for reimbursement of medical expenses incurred by others injured at your residence or business premises as a result of a covered incident. 

  • Assault Coverage – up to $25,000 annual aggregate 

    • Violence in the workplace is a tragic reality. If you become the victim of a violent action at work or on your way to or from work, this coverage provides reimbursement up to the applicable limit for your covered medical expenses or damage to your property. (Not available in Texas). 

  • Damage to Property of Others – up to $10,000 annual aggregate 

    • Provides coverage up to the applicable limit for unintentional damage you cause to someone else's property while at your personal residence or your workplace. 

  • First Aid Expenses – up to $10,000 annual aggregate 

    • Reimburses you for expenses you incur while rendering first aid to another person. For example, this could include supplies from your personal first aid kit that you used to help a victim of an automobile accident. 

  • Deposition Representation – up to $10,000 annual aggregate 

    • A patient or client is injured at the facility where you work. You’re not named in the lawsuit, but you receive a subpoena for testimony during the policy period. Your coverage through NSO will pay for attorney’s fees of an attorney designated by the insurer as a result of your required appearance at a deposition that arises out of professional services 

  • Sexual Misconduct/Abuse – up to $25,000 annual aggregate 

    • Insures you, up to the applicable limit of liability, for amounts you’re legally obligated to pay as a result of covered claims involving acts of sexual misconduct related to professional services. 

  • Information Privacy Coverage (HIPAA) – up to $25,000 annual aggregate 

    • This coverage reimburses you for costs to notify patients of a violation of confidential personal information in compliance with privacy protection laws. It also covers HIPAA fines and penalties that you become legally obligated to pay as a result of a covered proceeding. 

  • Defense Attorney Provided 

    • With your own individual coverage, you’ll have your own defense attorney designated by the insurer to represent you in court, when necessary. Legal fees will be paid for covered claims, in addition to your liability limits—WIN OR LOSE.

  • 24/7 Coverage – During the policy period, coverage is in force 24/7 

    • Coverage is available for incidents that occur on the job and after hours as well. Your insurance remains in force even if you change jobs or during a period of unemployment. 

       

  • Worldwide Coverage – Helps insure you anywhere in the world provided a claim is brought against you in the United States, its territories and possessions, Puerto Rico, or Canada. 

​In addition, a professional liability insurance policy through NSO is portable, so you can take it with you wherever you go. Whether you have a second job, volunteer, move, or change jobs, your policy is there to help insure you. 

Cosmetic Procedures Coverage

You can extend your professional liability insurance to include coverage for non-surgical aesthetic procedures, including dermal fillers, laser hair removal, permanent cosmetics, collagen injections, microdermabrasion, Botox, and more. For more information on rates and details, please call 1-888-273-4686.

Questions? Check out our FAQs for nurses.

​​​​

qs.pngQUESTIONS?

Call 1-800-247-1500

Mon – Fri, 8am – 6pm ET.
Related Articles
8 Common Charting Mistakes To Avoid

Here’s advice that can help keep your charting at its best--and keep you out of legal trouble.

Read More >
Keeping Up with Technology: Your Risks and Responsibilities

Information technology is constantly evolving. Among the most common types are electronic health ...

Read More >
Nursing fatigue: Dangerous for nurses and patients

Nurse fatigue caused by working long hours can be dangerous for both nurses and patients. For ...

Read More >