Malpractice Insurance for Retired Nursing Professionals

Overview
Frequently Asked Questions
Policy Features

Maintain Coverage In Retirement at a Special Discount

If you are retired or taking a leave of absence from your nursing career, you can still maintain your professional liability insurance with NSO at a discounted rate of up to 50%. Even if you aren’t working, maintaining coverage is still an important consideration. Why? Because you may still face liability risks if you provide professional services on a limited or volunteer basis.

Keeping your malpractice insurance in place can help bring you peace of mind in your next chapter while you enjoy retirement, sabbatical, or leave – all at a discounted rate.

If you have any questions or are planning to retire or take leave, contact our team at [email protected] or 1.800.247.1500.

Taking a step back? Liability risk doesn’t retire when you do.

You deserve peace of mind in your next chapter. Even if you aren’t actively employed, you may still face malpractice risks due to activities such as volunteering (including free clinics, community events, mission trips, and school/faith-based programs). In addition, if you maintain an active license in retirement or during leave, you can still be the subject of a board complaint or investigation.

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Frequently Asked Questions

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

Why should I maintain coverage if I’m retired or on leave?

Even if you stop working, malpractice risks don’t completely go away. If you maintain an active license or volunteer, you could still become involved in a malpractice claim or board complaint. Don’t let a good deed threaten your plans in your next chapter; get peace of mind by maintaining coverage.

Do I receive a discount on coverage if I’m retired or on leave?

Yes, NSO nursing professionals who are retired, on sabbatical, or on leave are eligible for a discount of up to 50% on coverage. You deserve peace of mind during life transitions at a special discounted rate in line with your evolving risk profile.

If I recently started, or am about to start retirement or a leave of absence, am I still eligible for the discount?

If you are approaching retirement or an upcoming leave of absence, please get in touch with NSO. If you have already begun retirement or leave, a credit can be applied retroactively if you notify NSO within 10 days of your retirement or leave start date. Otherwise, your discount will begin on the date NSO is notified. Volunteering without pay does not affect your eligibility.

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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

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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.

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.

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

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