Malpractice Insurance for Clinical Nurse Specialists

As a clinical nurse specialist, you use your extensive knowledge and expertise to diagnose and treat patients, empower and mentor nurses, and improve care. Consider NSO coverage that is focused on you.

You may have a higher risk of a malpractice lawsuit.

Coverage from your employer may only focus on your employer. NSO malpractice insurance puts the interests of clinical nurse specialists first, to help protect your career and financial future.

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.
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.
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.
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.
During the policy period, insurance 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.
Helps cover 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 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.
Covers you for legal liability for covered claims resulting from incidents at your residence, unrelated to your work.
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.
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.
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.
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.)
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.
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.
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.

Frequently Asked Questions

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

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.

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.

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.

There are plenty more where those came from.

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