Professional Liability Insurance for Nursing Students
It’s easy to think that because you’re a nursing student, you can’t be named in a malpractice suit. On the contrary, if a patient decides to sue, everyone involved in the patient’s care may be named as a defendant. In fact, lawsuits may be filed years after you graduate. To help insure your financial future and your career, consider professional liability insurance coverage through NSO. For as little as $35 a year, you will receive 24/7 coverage whether you’re in school, change schools, or graduate.
As a nursing student, malpractice insurance offered through NSO provides 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.
Defendant Expense Benefit – up to $25,000 annual aggregate
Covers you up to the applicable limit for lost wages and expenses incurred when you are required to attend a trial, hearing, or proceeding as a defendant in a covered claim, subject to a $1,000 daily limit.
Personal Injury Insurance
Covers you, up to the applicable limits of liability, against claims arising from allegations of slander, libel, assault and battery, and other alleged offenses committed in the performance of your professional services.
Damage to Property of Others – up to $10,000 annual aggregate.
First Aid Expenses – up to $10,000 annual aggregate
Deposition Representation – up to $10,000 annual aggregate
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. (In NY, Indirect Sexual Misconduct)
Information Privacy Coverage (HIPAA) – up to $25,000 annual aggregate
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.
After you graduate, your coverage through NSO continues to insure you with all of the above benefits. When it comes time to renew your policy, you'll be upgraded to full professional status, and be eligible for up to a 50% New Grad discount on your first year's premium, plus the full coverage as a licensed nursing professional.
Find out why you're at risk counting solely on your school or hospital-provided coverage.
Questions? Check out our FAQs for student nurses.