You take your business personally. So do we.

As the owner of a healthcare business, you and your employees help keep your community healthy. But just one malpractice lawsuit can put all that hard work and commitment at risk.

Get a quote or talk with us today.

NSO malpractice insurance for nurse professionals, businesses and practices offers the convenience of a single policy that can insure you, your practice and your employees, and help keep your business going in case you're ever sued.

We're here to help your nursing business succeed. To learn more, please schedule a consultation or click the button to get a quick quote. If you have questions, please feel free to let us know at or 1-800-214-9489 (Mon – Fri, 8:00 a.m. – 6:00 p.m. ET).


Here are some good reasons to think about NSO for your business:

Coverage designed specifically for nurses
A single policy covers you and your employees
Peace of mind lets you concentrate on business
Get a fast and affordable quote online

NSO nursing school plans include:

up to $1 million each claim, up to $3 million annual aggregate
shares limit with professional liability
up to $25,000 annual aggregate
up to $25,000 annual aggregate*
up to $25,000 annual aggregate
up to $1,000 per day, up to $25,000 annual aggregate
up to $10,000 annual aggregate
up to $25,000 annual aggregate (Not available in Texas)
up to $10,000 annual aggregate
up to $25,000 per person, up to $100,000 annual aggregate
up to $10,000 annual aggregate
for coverage claims

NSO healthcare business plans include:

Professional liability coverage – up to $1 million each claim, up to $3 million annual aggregate

Personal injury coverage – shares limit with professional liability 

Sexual misconduct/abuse coverage – up to $25,000 annual aggregate

Enterprise privacy protection – up to $25,000 annual aggregate*

License protection – up to $25,000 annual aggregate

Defendant expense benefit – up to $1,000 per day, up to $25,000 annual aggregate

Deposition representation – up to $10,000 annual aggregate

Assault coverage – up to $25,000 annual aggregate (Not available in Texas)

Damage to property of others – up to $10,000 annual aggregate

Medical payments – up to $25,000 per person, up to $100,000 annual aggregate

First aid coverage – up to $10,000 annual aggregate

Defense attorney provided by the insurer for coverage claims

General liability insurance:

For an additional premium, you may be eligible to purchase up to $1 million aggregate general liability insurance. This coverage is designed to insure your firm for claims from injuries or damages caused by a non-medical incident, and can insure you for claims for bodily injury and property damage, fire and water legal liability, products liability, and host liquor liability. Depending on the size of your staff, you may also be able to receive a discount off your premium.

*Enterprise privacy protection coverage not available in all states. Higher limits are available. Minnesota requires a minimum $100,000 sublimit.

Frequently Asked Questions

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

How does a shared limit policy work? 

A shared limit policy is issued in the name of your professional business or company. The policy provides professional liability insurance coverage for the business entity named on the certificate of insurance and any of the employees of the business entity, provided they are a ratable profession within our program.

We have a shared limit policy. Are employees covered if they practice outside our office?

The policy covers your employees outside the office as long as they are performing covered professional services on behalf of your business.

If your employees are moonlighting, either for pay or as a volunteer, they should carry an individual professional liability insurance policy to cover those services.

Does my practice’s policy provide coverage for fire damage? 

Your professional liability insurance policy does not provide coverage for direct physical loss or damage to your property or premise due to fire; such coverage should be sought under a fire insurance policy. 

There are plenty more where those came from.

See more FAQs

NSO also offers more personal insurance options for you and your family.

Because we're committed to the health and safety of nurses everywhere.

Life Insurance

Protects your family's future if you're not around.

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Health, Dental & More

Flexible, affordable plans for you and your family.

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Disability Income Insurance

Helps replace lost income due to injury or illness.

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Real Estate Benefit

List. Buy. Save with Relocal

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