Malpractice Insurance for Florida Nurse Practitioners.

You're part of a medical team that can diagnose, treat and prescribe to patients, so you're more vulnerable to the threat of a malpractice suit. NSO malpractice insurance can help you have a financially stable future.

Employer-provided coverage may not be enough.

NSO malpractice insurance for Nurse Practitioners in Florida is tailored to the increased risk of your professional responsibilities, yet priced at an affordable rate.
 


What is in a NSO Malpractice Insurance Policy?

Through NSO, you get Professional Liability Insurance Coverage with limits of up to $750,000 aggregate, up to $250,000 each claim. This coverage is underwritten by the American Casualty Company of Reading, Pennsylvania, a CNA company, one of the nation's leaders in professional liability insurance. With over 40 years of experience providing quality professional liability insurance to healthcare professionals, CNA has an outstanding reputation for handling claims quickly and fairly. The company continues to carry an A (Excellent) rating from A.M. Best Company, one of the nation's leading independent insurance analysts. This rating is your assurance of the company's financial strength and stability.
Pays up to $25,000 aggregate. Reimburses you for costs to notify patients or clients of the disclosure of confidential personal information in violation of privacy protection laws. It will also cover HIPAA fines and penalties you become legally obligated to pay as a result of a covered proceeding.
During the policy period, coverage is in force 24/7. You're covered for incidents that occur on the job and after hours as well. Your insurance remains in force even if you change jobs or during a period of unemployment.
Safeguards you for covered claims made against you, and reported to the insurance company, while the policy is in force and during any applicable extended reporting period. Read more on claims-made coverage.
An attorney will be provided to represent you personally when we find it necessary. Legal fees will be paid for covered claims, in addition to your liability limits - WIN or LOSE.
Insurance coverage is available worldwide, provided claim is brought against you in the United States, its territories and possessions, Puerto Rico, or Canada.
If you are retired but maintain an active license, or have taken a leave of absence from your career, you may qualify for a 50% discount off the regular full-time premium with reduced coverages.
You can qualify for a 10% discount on your first three years of professional liability insurance coverage by completing our continuing education modules.
A 10% non-cumulative credit will be applied to your annual premium for up to three years for attending an eligible Risk Management Course. If you attend a qualified risk management course, a 10% non-cumulative credit will be applied to your annual premium for up to three years. The course must be 6 contact hours in a subject related to the insured's area of specialization. You must provide a certificate of attendance indicating the course name, number of hours and course date. The course must have been completed within 12 months of the date of application. A discount is guaranteed for three years, but the base premium is subject to change.
Pays up to $25,000 aggregate. Reimburses you up to the applicable limit for covered expenses including lost wages incurred when you are required to attend a trial, hearing or proceeding as a defendant in a covered claim, subject to $1,000 daily limit.
Pays up to $25,000 aggregate. Reimburses you up to to the applicable limit for your defense of disciplinary charges and other covered expenses arising out of a covered license incident.
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 arising through the performance of your professional services.
Pays up to $100,000 aggregate, up to $25,000 per person, for reimbursement of medical expenses incurred by others injured at your residence or business premises as a result of a covered incident.
If you are assaulted at work or while commuting to or from your workplace, we will reimburse you, up to $25,000 aggregate, for your medical expenses, including emotional counseling, or reimburse you for damage to your property.
Pays up to $10,000 aggregate for damage caused accidentally by you to property of others at your residence or workplace.
Pays up to $10,000 aggregate reimbursed for expenses you incur in rendering first aid to others.
Pays up to $10,000 aggregate for attorney fees as a result of your required appearance at a deposition that arises out of a covered claim for professional services.
Pays up to $25,000 aggregate. Insures you, up to the applicable 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. Defense coverage for covered allegations of sexual abuse is in addition to the sublimit of liability. There is no coverage for criminal acts, including consensual sexual activity.
This program is written by American Causality Company of Reading, Pennsylvania.
 
Nurses Services Organization is a trademark name for Affinity Insurance Services.
 

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.


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.


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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