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​School Liability Insurance for Healthcare Professionals


NSO can offer your school the professional liability coverage it deserves

Nursing School Professional Liability Insurance

To ensure a healthy future in the face of potential lawsuits, NSO can offer your school the professional liability coverage it deserves. Whether your program is large or small, you'll find the benefits of our professional liability insurance policy can help meet your school’s insurance needs. Liability coverage through NSO will help cover your school, its students and faculty members, as well as its allied healthcare programs, from the risk of medical malpractice lawsuits. 

Help cover your school with the following benefits: 

  • Professional Liability Coverage – Up to $1 million per occurrence/up to $5 million annual aggregate for the duration of the policy.

    • Higher limits of up to $2 million per occurrence/up to $5 million annual aggregate are available.

  • Experienced Legal Representation – Costs which result from the investigation and defense of a claim are covered in addition to the limits of liability, whether your case is won or lost. 

  • School Grievance/Disciplinary Hearing – Reimbursement of up to $1,000 per incident, up to $10,000 annual aggregate, for covered expenses for an appearance before a school grievance committee or Academic Disciplinary Board. 

  • Defendant Expense Benefit – Reimbursement of up to $10,000 annual aggregate for lost wages and expenses incurred for insureds to appear in court to defend themselves against a covered malpractice claim. 

  • Assault Coverage – If one of your insureds is the victim of assault in clinicals, while commuting to and from clinicals, or during clinical-related travel, this plan pays up to $1,000 per incident, up to $25,000 annual aggregate. (Not available in Texas). 

  • Medical Payments – Up to $2,000 per person, up to $100,000 aggregate

  • Damage to Property of Others – Up to $250 per incident, up to $10,000 annual aggregate for damage to the property of others caused by one of your insureds, for which you are responsible. 

  • Deposition Representation – Up to $1,000 per deposition, up to $5,000 aggregate 

  • First Aid Expenses – Up to $500 per incident, up to $25,000 aggregate 

Additional Coverage for Nursing Students 

While your nursing students are learning the skills they’ll use in the field, they can still be named in a medical malpractice lawsuit. Much like trained nursing professionals, students are liable for their actions and should have their own individual professional liability coverage. Nursing students need to be aware that when they enter the workforce, there may be gaps in coverage provided by their employer. 

NSO is one of the top providers of professional liability insurance for nursing professionals – including students. We offer a special rate for nursing students (as low as $35 annually), and first-year graduates are eligible to receive a discount of up to 50% on their premium. For more information, please click here

To obtain individual applications for your students, please call 1-800-986-4627 or email studentblanket@nso.com

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