Malpractice Insurance for Certified Midwife & Certified Nurse Midwife

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.

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.

The NSO/CNA program offers claims made professional liability insurance coverage to CM/CNM’s.

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.

Coverage not available in California, Indiana, Kansas, Louisiana, New Mexico, New York, and Pennsylvania.

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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.

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 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.

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, 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.