Frequently asked questions about applying for professional liability coverage
In this section, you will find answers to questions about how to apply for professional liability insurance coverage through NSO, who is eligible to receive coverage, and how to obtain coverage for multiple licenses.
- How quickly can my coverage begin?
- Do you have a discount for new graduates? Am I eligible?
- How do I determine whether I am employed or self-employed?
- I am still involved in nursing, but I don't really do hands-on care. Am I still eligible for your coverage?
- I hold two different healthcare professional licenses. How do I obtain coverage for both?
- I am a nurse working in a high-risk specialty area. Can I apply for coverage through NSO? Will my premium be higher because of my specialty?
1. How quickly can my coverage begin?
Your coverage can begin once your completed application is approved and payment is received. In most cases, this can be done in one day if you apply online.
If you decide to fax your application (1-800-739-8818), it can be processed within 2-3 business days.
Your application processing time may be extended if we need additional information from you.
2. Do you have a discount for new graduates? If so, am I eligible?
Yes, you are eligible for up to a 50% discount if you’ve graduated from school within the last 12 months. When you apply through our online quote process, your rate will reflect all discounts for which you are eligible.
3. How do I determine whether I am employed or self-employed?
A good way of knowing if you are considered an employee is whether or not your company takes taxes out of your pay and files a W2 form with the IRS at the end of the year. If this is the case, you can indicate that you are employed. Generally, self-employed professionals receive a 1099 Form from the entity for whom they have performed services.
If you are both (working for different companies in different capacities), then you can apply as "self-employed" to be insured for both your employed and self-employed work.
If your employer pays for your professional liability insurance coverage and continues to have you covered under the employer’s policy, please sign up as employed. However, if your employer has removed the employer’s insurance policy to cover you, please sign up as self-employed. If you are unsure, sign up as self-employed.
In nearly every case, we offer the same coverage and benefits to you whether you are employed or self-employed. Our policy is flexible enough to safeguard you when you change careers, so you can continue to preserve your livelihood.
4. I am still involved in nursing, but I don't really do hands-on care. Am I still eligible for your coverage?
As long as you have an active nursing license, you are eligible for coverage. Even if you’re not involved in hands-on care, it makes sense to insure yourself from a potential liability situation. For example, if you give advice to a friend, or aid a child in a schoolyard, you could be exposing yourself to a potential lawsuit.
However, our coverage is not intended to respond to incidents that may arise from duties that are purely administrative in nature. If you are not involved in hands-on nursing, but are still working in an administrative capacity, your employer most likely covers these types of errors and omissions. Consult with your facility’s risk manager or your supervisor for confirmation.
5. I hold two different healthcare professional licenses. How do I obtain coverage for both?
In order to obtain coverage for your dual professions, we recommend that you contact us via phone or email, and tell us about your situation, so that we can advise you on how to proceed.
We provide coverage for over 80 different types of healthcare professional licenses and certifications. We will cover you for any of those licenses that you hold. Your premium will be determined by whichever of your licenses carries the highest exposure.
For example, you may be licensed as a Registered Nurse and an EMT-Basic. Your premium would be based on the higher exposure, in this case the EMT-Basic. Coverage for the other profession would be added to your policy for no additional cost.
6. I am a nurse working in a high-risk specialty area. Can I apply for coverage through NSO? Will my premium be higher because of my specialty?
NSO offers coverage to most nursing professionals. The only exclusions to the policy are Nurse Midwives and Nurse Anesthetists.
If you are an RN, no matter what your area of specialty is, you will pay the same premium as other RNs in your state. Click here for information about our rates.
We do rate your premium based on specialty if you are a nurse practitioner and may rate your premium differently if you have dual certifications like RN and Massage Therapy or RN and EMT. The good news is that when you take out coverage for both certifications, you have coverage for both. You also have coverage automatically if you are returning to school for refresher courses.