Malpractice Insurance for Specialized Nursing Professions

Overview
Frequently Asked Questions
Policy Features

Malpractice insurance for many nursing and nursing-related careers:

Forensic Nurse
Legal Nurse Consultant
Nurse Advocate
Nurse Coach
Nurse Navigator
Adult Day Care Aid
Caregiver
Certified Medical Assistant
Geriatric Nursing Assistant
Home Health Aide
Medical Assistant
Medication Aide
Nurses' Aide
Nursing Assistant
Personal Care Aide

NSO malpractice plans can help protect your future.

Whether you work directly with patients, in support of other healthcare professionals, or in a specialized nursing profession, you're exposed to the risk of a malpractice suit just like any healthcare professional. And just one lawsuit can put your ability to practice as well as your financial future in jeopardy. NSO insurance can offer coverage that helps reduce that risk, at a surprisingly affordable rate.

If you're in a specialized nursing profession, or in a job that supports patients or other healthcare professionals, NSO offers coverage tailored to your needs.

Get Covered with NSO in a few simple steps

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Activate your NSO professional liability policy

Frequently Asked Questions

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

How do I determine if I'm employed or self-employed?

Generally, you're considered employed if your company takes taxes out of your pay and files a W2 form with the IRS. Self-employed professionals usually receive a form 1099 from the entity for whom they have performed services. There are exceptions, so be sure to check with NSO.

I'm still involved in nursing, but I don't really do hands-on care. Am I still eligible for coverage?

If you have an active nursing license, you are eligible. Even if you’re not involved in hands-on care, it may make sense to insure yourself from a potential liability. But if your duties are purely administrative, NSO coverage may not be right for you. Check with your employer to make sure you're adequately covered.

As a nurse in a high-risk specialty area, can I apply for NSO coverage and will my premium be higher?

NSO offers coverage to most nursing professionals, except Nurse Midwives and Nurse Anesthetists. If you are an RN, no matter your area of specialty, you will pay the same premium as other RNs in your state. We do rate your premium based on specialty if you are a Nurse Practitioner, or have dual certifications. Check with NSO for more details.

See more FAQs

Here are some good reasons to think about NSO:

Coverage designed just for nurses

Safeguards your most valuable asset: you!

Peace of mind in case your employer's coverage not enough

Get a fast and affordable quote online

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 $6 million annual aggregate, for all covered claims in the policy period.

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.

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

Covers you up to the applicable limit for lost wages and expenses incurred when you are required to attend a trial, hearing, or proceeding as a defendant in a covered claim, subject to a $1,000 daily limit.

Personal Injury Insurance

Covers you, up to the applicable limits of liability, against claims arising from allegations of slander, libel, assault and battery, and other alleged offenses committed in the performance of your professional services.

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

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.

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

Reimburses 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 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 you to be represented at the deposition by an attorney designated by the insurer.

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

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. (In NY, Indirect Sexual Misconduct)

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

This coverage reimburses you for costs to notify patients of a breach 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.

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. Legal fees will be paid for covered claims, in addition to your liability limits – WIN OR LOSE.

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.

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

NSO also offers more personal insurance options for you and your family.

Because we're committed to the health and safety of nurses everywhere.

Life Insurance

Help protect your family's future if you're not around.

Disability Income

Help replace lost income due to injury or illness.

Long Term Care

Help protect your retirement dreams as you age.

Auto & Home Insurance

Discounted Auto and Home Insurance for NSO customers.

See all your options from NSO, at special group rates exclusively for nursing professionals.

Explore Them All

Select Your Profession

Nurse

Nurse Practitioner

Certified Registered Nurse Anesthetist

Clinical Nurse Specialist

Other Nursing Professional

Student