What is Nursing Professional Liability?
Nursing professional liability insurance, often called malpractice insurance, helps protect nurses from claims of negligence, errors, or omissions that occur while providing professional healthcare services. This coverage can help pay for legal defense costs, settlements, or judgments if a patient files a lawsuit.
Who Needs It
Nursing liability insurance is recommended for a wide range of professionals, including:
- Registered Nurses (RNs)
- Licensed Practical Nurses (LPNs)
- Advanced Practice Registered Nurses (APRNs)
- Nurse Practitioners (NPs)
- Travel nurses and independent contractors
- Nursing students in clinical rotations
Even nurses working in hospitals or clinics that carry institutional coverage may benefit from personal policies, which can offer broader protection and defense tailored to the individual.
What It Typically Covers
Nursing professional liability insurance commonly includes:
- Legal defense costs, even if the claim is groundless
- Settlements or judgments resulting from malpractice suits
- HIPAA violation defense and fines (in some policies)
- License protection if disciplinary action is taken
- Good Samaritan acts, depending on the policy
Common Exclusions and Limitations
While coverage is broad, it does not protect against everything. Common exclusions include:
- Intentional misconduct or criminal acts
- Services provided outside the scope of nursing practice
- Claims arising from work with unlicensed facilities
- Acts committed under the influence of drugs or alcohol
Factors That Influence Cost
Several factors can affect the cost of nursing liability insurance:
- Type of nursing license and specialty
- Years of experience
- Employment status (full-time, part-time, independent)
- Claims history
- State of practice
Premiums are generally higher for advanced practice nurses and those in high-risk specialties.
Proof of Insurance & Compliance
Many employers and state boards may require proof of nursing professional liability insurance. Requirements vary by state and employer, so it's important to check local regulations and job requirements. Having your own policy can also support licensure defense if a complaint is filed with the state board.
How to Get a Quote
Getting coverage is simple. Use our quick online process to compare options tailored to your nursing role and specialty. Get a quote today to protect your career and peace of mind.
Frequently Asked Questions
Do I need malpractice insurance if my employer already provides coverage?
Employer policies may not fully cover individual nurses, especially for legal defense or incidents outside of work. A personal policy offers added protection.
Does this insurance cover me if I volunteer or work per diem?
Yes, many policies extend coverage to volunteer work or per diem shifts, but it's best to confirm the details with your provider.
Will this help if my license is under investigation?
Some policies include license protection, which can pay for legal representation during disciplinary board hearings or investigations.
Is nursing student liability insurance necessary?
Yes, many schools require it for clinical placements, and it helps protect students from claims made during hands-on training.
Does nursing liability insurance cover telehealth services?
It can, but coverage depends on the policy and state regulations. Be sure to disclose telehealth services when applying.
Still have questions? Talk to a local insurance expert.