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Student Professional Liability Insurance FAQs​​​​​​​​​


Frequently asked questions about student coverage

Have questions about nursing student coverage? You’ve come to the right place. In this section, you will find out if you are eligible for professional liability insurance coverage through NSO, if you can upgrade after graduation, and if you can receive additional savings through our student discount program.

  1. Does NSO offer coverage to student nurses? 

  2. Are there any discounts available to students? 

  3. Will your policy insure me while I'm still in school? What happens after I graduate? 

  4. I am a registered nurse studying to become a nurse practitioner. Why do I need student nurse practitioner insurance when I am not a nurse practitioner yet? 

  5. I recently graduated from school and have not yet obtained my license. Am I eligible for coverage? 

1. Does NSO offer coverage to student nurses? 

Yes, NSO offers coverage for student nurses. For a complete listing of all nurses currently eligible for insurance under our program, coverage information, and rates, please click here

2. Are there any discounts available to students? 

Yes, we offer a student discount that varies by state and profession. Find out your rate through our online quote process. Additionally, if you have completed training within the previous 12 months, you are entitled to up to a 50% discount off the regular full-time rate as a first-year graduate. 

3. Will your policy insure me while I'm in school? What happens after I graduate?

Our student policy is designed to safeguard you during clinical work as part of your school curriculum. After graduation you can take advantage of another benefit of our policy. We do not require that you increase your coverage to professional status until your policy's next renewal. You will be automatically covered after graduation, as a professional, until your renewal – at no additional charge! 

4. I am a registered nurse studying to become a nurse practitioner. Why do I need student nurse practitioner insurance when I am not a nurse practitioner yet?

If your school does not provide coverage for you while you're completing your clinical rotation, you should purchase a student nurse practitioner policy. Your registered nurse policy will not provide adequate coverage for your clinical work, which may include duties outside the scope of your RN license. Keep in mind, one of the benefits of our Nurse Practitioner and NP student coverage is that you can be covered for your RN duties at no additional cost. 

If you have your nursing coverage through NSO, it is very easy to make the change to a Nurse Practitioner student. Simply email us or call us at 1-800-247-1500 and we'll be happy to initiate this change! 

5. I recently graduated from school, but have not obtained my license. Am I eligible for coverage? 

Yes, if your state allows you to work under a temporary license, you can apply for coverage and have professional liability insurance for work right away! Also, you may be eligible to receive our first-year graduate discount – that's up to a 50% savings off the full-time professional rate! ​​​

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Please call 1-800-247-1500

Mon – Fri, 8am – 6pm ET.