Malpractice Insurance for Nurses

You've built a career helping patients, your colleagues and community. Yet all that hard work could be at risk if you're ever involved in a malpractice suit, even if you have coverage from your employer.

Get affordable NSO nurse malpractice insurance made just for you.

NSO malpractice insurance puts your interest first, with plans that are designed to help protect your career and financial future.

Additional resources:

  • Infographic - Medical Malpractice 101: 
    • Learn more about why nurses are sued, the most common injuries resulting in lawsuits, the average payout by injury and more in this engaging infographic.
  • Infographic - Protecting Your Nursing License: 
    • According to the National Practitioner Data Bank, nursing professionals were on average 47 TIMES MORE likely to be involved in an adverse licensing action than a medical malpractice payment in 2020.* Understanding the process and how to protect your license is critical to maintaining your career.

Policy features:

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.
Reimburses you up to the applicable limit for your defense of disciplinary charges and other covered expenses arising out of a covered incident if a complaint is brought against you before a state licensing board.
This coverage reimburses you for costs to notify patients of a violation of confidential personal information in compliance with privacy protection laws. It also covers HIPAA fines and penalties that you become legally obligated to pay as a result of a covered proceeding.
Violence in the workplace is a tragic reality. If you become the victim of a violent action at work or on your way to or from work, this coverage provides reimbursement up to the applicable limit for your covered medical expenses or damage to your property. (Not available in Texas.)
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.
Coverage is available for incidents that occur on the job and after hours as well. Your insurance remains in force even if you change jobs or during a period of unemployment.
Insures you, up to the applicable limits of liability, against covered claims arising from allegations of slander, libel, assault and battery, and other alleged offenses committed in the performance of your professional services.
Pays up to the applicable limit for reimbursement of medical expenses incurred by others injured at your residence or business premises as a result of a covered incident.
A professional liability insurance policy through NSO is portable, so you can take it with you wherever you go. Whether you have a second job, volunteer, move, or change jobs, your policy is there to help insure you.
Reimburses you up to the applicable limit for lost wages and covered expenses incurred when you are required to attend a trial, hearing, or proceeding as a defendant in a covered claim.
You can extend your professional liability insurance to include coverage for non-surgical aesthetic procedures, including dermal fillers, laser hair removal, permanent cosmetics, collagen injections, microdermabrasion, Botox, and more. For more information on rates and details, please click here or call 1-888-273-4686.
Covers you for legal liability for covered claims resulting from incidents at your residence, unrelated to your work.
Provides coverage up to the applicable limit for unintentional damage you cause to someone else's property while at your personal residence or your workplace.
Reimburses you for expenses you incur while rendering first aid to another person. For example, this could include supplies from your personal first aid kit that you used to help a victim of an automobile accident.
Helps insure you anywhere in the world provided a claim is brought against you in the United States, its territories and possessions, Puerto Rico, or Canada.
A patient or client is injured at the facility where you work. You’re not named in the lawsuit, but you receive a subpoena for testimony during the policy period. Your coverage through NSO will pay for attorney’s fees of an attorney designated by the insurer as a result of your required appearance at a deposition that arises out of professional services.
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.
By adding the Consulting Services Liability Endorsement to your professional liability policy, you'll be covered for lawsuits resulting from advice, testimony or consulting you provide as a licensed nursing professional. To learn more, click here.

Frequently Asked Questions

You have questions. We have answers. (It's why we're here.)

Does having my own policy make me a more likely target for a lawsuit?

No. When a patient is injured, most attorneys will name everyone who was involved in the patients' care in the lawsuit, whether you have your own coverage or not. And no one knows, not even the patient's lawyer, that you have your own professional liability insurance.

Why do I need an individual professional liability policy? Won't my employer's insurance policy cover me?

Professional liability insurance help safeguards you against allegations of malpractice. While your employer may provide coverage for you, it may not be enough to cover you in all cases. Your employer's policy is designed to preserve the employers' needs and interests first.

I just changed jobs. Will I have to pay more for my liability insurance?

Changing jobs alone will not affect your premium. For instance, if you took a nursing position in a nursing home after a similar job in a hospital, your rate wouldn't change. However, if you move from being an employee to an independent contractor, that may affect your premium.

There are plenty more where those came from.

See more FAQs