Malpractice Insurance for CRNAs

What is in a NSO Malpractice Insurance Policy?

Professional Liability Coverage* 

• 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 $3 million annual aggregate, for all covered claims during the policy period.

License Defense Expenses – up to $25,000 annual aggregate

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.

Healthcare Providers Professional Liability Coverage Part (Occurrence)

The NSO/CNA program offers both occurrence and claims made professional liability insurance coverage.

Admitted Insurance Coverage**

As an admitted insurer, CNA complies with state insurance department requirements, including the filing and approval of forms and rates. Admitted insurers also are required to pay a portion of their income into the state's insurance guaranty association fund. In the event that an admitted insurer becomes insolvent, the state will help to pay policyholder claims. A.M. Best has affirmed the Financial Strength Rating (FSR) of A (Excellent) for CNA Financial Corporation. The rating actions reflect CNA’s excellent level of risk-adjusted capitalization, consistent and profitable operating results and established position as a leading writer within the U.S. commercial lines segment.

Abuse and Molestation – up to $25,000 annual aggregate

Insures you, up to the applicable sub-limit of liability, for amounts you are legally obligated to pay as a result of covered claims involving acts of sexual misconduct related to professional services. The sexual misconduct sub-limit is included within the professional liability limit of liability.

HIPAA Proceedings Supplementary Benefits Endorsement – up to $25,000 annual aggregate

This coverage reimburses you, subject to the insurer’s approval, for costs to notify patients of a disclosure of confidential personal information in compliance with privacy protection laws. It also covers specified HIPAA fines and penalties that you become legally obligated to pay.

Defense Attorney Provided

With your own individual coverage, you’ll have your own defense attorney designated by the insurer to represent you in court, when necessary. Covered legal fees in connection with a covered claim are in addition to your liability limits—WIN OR LOSE.

24/7 Coverage – During the policy period, coverage is in force 24/7

Coverage is available for incidents that occur on the job and after hours as well. Your coverage remains in force even if you change jobs or during a period of unemployment.

Consent to settle -- with no hammer clause***

Should you be involved in a professional liability, Good Samaritan, personal injury or malplacement claim, we will not settle any claim without your consent which will not be unreasonably withheld. Other insurers may make similar claims, but if they go to court and lose—you get stuck paying 20-30% of any court judgement that goes over the original settlement offer.

Portable Coverage – Take it with you

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.

Cosmetic Procedures Coverage

Coverage includes non-surgical aesthetic procedures, including dermal fillers, laser hair removal, permanent cosmetics, collagen injections, microdermabrasion, Botox, and more. For more information, please call 1-800-521-7013.

State Coverage Information

Coverage not available in Indiana, Kansas, Louisiana, New Mexico, Nebraska and Wisconsin. All other states, to apply for coverage and get a quote. Click Here.

Student Application

Looking for malpractice coverage as a student? Click Here

Proceeding Expense Reimbursement – up to $25,000 annual aggregate, up to $1,000 per proceeding

Reimburses you 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.

Disciplinary Hearing or Proceeding – up to $25,000 annual aggregate

Includes reimbursement 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.

Personal Injury Coverage 

Insures you, up to the applicable limits of liability, against covered claims arising from allegations of slander, libel, assault and battery, and other alleged personal injuries through the performance of your professional services.

Non-Patient Medical Expenses – up to $25,000 per incident, up to $100,000 annual aggregate 

Pays up to the applicable limit for reimbursement of necessary medical expenses incurred by others injured at your residence or business premises as a result of a covered incident.

Assault Coverage – up to $25,000 annual aggregate 

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 will reimburse you for damage to your property and your medical expenses, including workplace violence counseling. (Not available in Texas.)

Services to Animals Property Damage – $10,000 annual aggregate 

Pays for unintentional damage you cause to someone else's property while at your personal residence or your workplace.

Patient First Aid Medical Expenses – up to $10,000 annual aggregate

Reimburses you for expenses you incur while rendering first aid to another person. For example, these expenses may include supplies from your personal first aid kit that you used to help a victim of an automobile accident.

Subpoena Assistance Costs – up to $10,000 annual aggregate

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. Your coverage through NSO will pay for attorney’s fees for an attorney designated by the insurer as a result of your required appearance at a deposition that arises out of professional services.

Coverage for educational and consulting activities

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.

Premium Financing

Premium financing, or installment payment plans, may be available. To apply for coverage and get a quote, click here. Please call 1-800-247-1500 if you have any questions.

Policy terms may vary by state and are subject to state approval.

*CRNA Coverage not available in IN, KS, LA, NM, NE and WI. CRNA Policy limits in Florida are up to $250,000 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 and up to $750,000 annual aggregate, for all covered claims during the policy period.

**Admitted varies by state

***Restrictions apply for CRNA Maryland residents. 

One or more of the CNA companies provide the products and/or services described. The information is intended to present a general overview for illustrative purposes only. It is not intended to constitute a binding contract. Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All products and services may not be available in all states and may be subject to change without notice. CNA is a registered trademark of CNA Financial Corporation. Certain CNA Financial Corporation subsidiaries use the “CNA” trademark in connection with insurance underwriting and claims activities. Copyright © 2018 CNA. All rights reserved.