NSO malpractice insurance for CRNAs.

You play a critical role in patient care outcomes, so you’re more vulnerable to the threat of a malpractice suit. NSO malpractice insurance can help you have a financially stable future.

As a Certified Registered Nurse Anesthetist, you have increased risk.

NSO malpractice insurance is tailored to the increased risks that CRNAs face, yet priced at an affordable rate. Details on the policy are below. If you have any questions, please contact us through email at CRNA@aon.com or call us at 1-800-521-7013 (Monday-Friday 8:30 a.m. - 5:00 p.m. ET). 


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 $3 million annual aggregate, for all covered claims during the policy period.
The NSO/CNA program offers both occurrence and claims made professional liability 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.
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.
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.
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.
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.
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.
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.
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.
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.
Coverage not available for Kansas, New Mexico or Wisconsin residents. Do you live in Florida? Click here.
Looking for the student application? Click here.
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.
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.
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.
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.)
Pays 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, these expenses may include supplies from your personal first aid kit that you used to help a victim of an automobile accident.
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.
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 is available through AFCO Insurance Premium Finance. Pay 15% of your total annual premium up front. The balance is divided into ten equal installments, with the first payment due in 30 days. Please call 1.800.247.1500 to apply. Finance charges do not apply to the initial down payment, just to the installment payments.
* Coverage not available in Kansas, New Mexico or Wisconsin. 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 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.

Frequently Asked Questions

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



I work for several different employers. Will that affect my coverage or rate?


Not necessarily. The rate you pay is based on whether you are an individual or a business. If you're an individual, it also depends on whether you receive a W2 or 1099 tax form. Talk with a NSO representative for more information.


I'm starting my own company. Do you have a policy that will cover my company for malpractice?


Yes. NSO offers professional liability insurance to nursing firms, providing many of the same coverages our individual program offers. Our coverage can be tailored to meet the specific needs of your firm. Get more information on our affordable liability coverage for nursing firms.


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


Professional liability insurance 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.



There are plenty more where those came from.


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