Welcome American Nurses Association and

State Nurses Association Members!

NSO is endorsed by ANA and 50 constituent and state nursing associations.




Facts About Nurses’ Professional Liability Claims1

Average Malpractice
Claim Cost
Most Common
Improper Care
Most Common
Average License
Defense Cost


Reasons to Choose NSO for Malpractice Coverage

Industry Recognition
Endorsed by the ANA and
more than 70 state & national
nursing associations
Superior Service
Rated 4.75 out of 5
by new customers2
Customer Satisfaction
94% of nurses would
recommend NSO after
a claim3
Trusted by Nurses
500,000+ professional
nursing clients
Long-Term Reliability
Offering dependable
coverage since 1976
Affordable Rates
On average $111 a year4



What Nurses Had to Say About NSO After a Claim5

“Thank you so much for helping me navigate the legal world which I know nothing about.  You’ve lifted a weight of worries from my mind.” “An excellent counsel, extremely knowledgeable and empathetic. They stood by me and kept me informed every step of the way in timely manner.”  “The service provided by CNA, was professional, informative, and supportive during a very stressful time in my career.”


Why Nurses Should Not Rely on Employer Coverage

License Complaints
There are 50X more license complaints filed against nurses than malpractice claims.6
Average cost for a lawyer to defend a nurse before their state board of nursing.
Employer Coverage
Does not pay legal expenses to defend employees from license complaints.
License Protection
The individual policy through NSO includes $25,000 of License Defense coverage.


Little Known Facts About Nurses’ Malpractice Insurance

Affordable Rates
$111 a year in most states4
$1 Million Protection
$1 million protection pays up to $1M each claim, $6M aggregate
Lawyers’ Fees
Pays unlimited legal expenses
More than Malpractice
License Protection
Sexual Misconduct
HIPAA Violations
Defendant Expenses
24/7 Peace of Mind
Coverage while working, volunteering, retired or acting as a Good Samaritan


ANA & NSO Partnership

Partnership Announcement from Debbie Hatmaker, Chief Nursing Officer, American Nurses Association, and Michael Loughran, President, Nurses Service Organization. ANA & NSO Partnership

About Us

With over 500,000 nursing professionals insured, Nurses Service Organization (NSO) is the nation’s premier providers of malpractice insurance and risk management solutions to nurses.  NSO is the preferred provider of more than 70 national and state professional nursing associations.

Contact Us

Nurses Service Organization
1100 Virginia Drive, Suite 250
Fort Washington, PA 19034
800.247.1500 │ nso.com

1Nurse Professional Liability Exposures Claim Report, 4th Edition, NSO, CNA, September 2020.
2Reseller Ratings, https://www.resellerratings.com/store/nso_com/page/3, based on 10,000+ ratings as of November 2020.
3CNA Customer Satisfaction Survey, July 2018.
4Rate is for a nurse employed full-time.  Rates may vary by state. Student Graduate and Risk Management discounts available.
5Testimonials provided by NSO clients who responded to the CNA Customer Satisfaction Surveys and the NSO NPS Surveys, 2018.
6National Practitioner Data Bank, U.S. Department of Health & Human Services, November 2020.
Nurses Service Organization is a registered trade name of Affinity Insurance Services, Inc.; (TX 13695); (AR 100106022); in CA, MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency.1Rate is for a nurse employed full-time.  Rates may vary by state.