Nurses Insurance
Nurses insurance protects healthcare professionals from legal claims, workplace accidents, and unexpected liabilities. Whether you’re an independent nurse, travel nurse, or provide telehealth care, the right coverage ensures you stay financially secure and professionally protected.
Choose the right coverage from trusted insurance providers.
Why do nurses need business insurance?
Working as a nurse brings both fulfillment and responsibility. But even the most careful healthcare worker faces real risks. If you’re self-employed or working through a temporary agency, you might assume you’re fully protected, but that’s not always the case. Your employer’s insurance may have policy limits that don’t extend to individual liability.
That’s where business insurance steps in. It protects against lawsuits, injuries, and claims that could otherwise seriously harm your small business. Whether you’re providing in-home care or telehealth services, having the right insurance ensures you can focus on helping patients without worrying about the financial consequences of a mistake or accident.
What types of insurance do nurses need?
These insurance policies cover the most common risks faced by registered nurses.
Business owner’s policy
A BOP combines general liability and property insurance, offering business owners affordable coverage. Ideal for contractors and construction companies, it protects against injuries, theft, and legal requirements, helping you recover while maintaining peace of mind.
Under this plan
Customer injuries
Damaged customer vehicles
Damaged business property
Professional liability / medical malpractice
Also called malpractice insurance, it covers legal costs if a healthcare provider is sued for negligence, causing injury.
Under this plan
Incorrect diagnoses
Accusations of negligence
Mistakes or oversights
Commercial auto insurance
Required in most states for business-owned vehicles, this insurance covers accident costs involving your healthcare business vehicle.
Under this plan
Weather damage
Vandalism and theft
Car accident repair costs
Cyber insurance
Protects healthcare businesses from data breaches and cyberattacks, and can be bundled with a BOP or general liability policy for cost savings.
Under this plan
Fraud monitoring services
Data breach investigations
Customer notification expenses
General liability insurance
General liability insurance protects your business from third-party injuries, lawsuits, or property damage. It’s often needed to meet state or lease requirements, giving contractors and construction companies peace of mind and support to recover from risks like theft or accidents.
Under this plan
Accidental vehicle damage
Customer injuries at a repair shop
Slander and other advertising injuries
Worker’s compensation insurance
Workers’ compensation insurance is required by most state laws for businesses with employees. It covers injuries at work, helps contractors and companies recover from accidents, and provides peace of mind beyond what health insurance may offer.
Under this plan
Employee medical expenses
Partial wage reimbursement
Lawsuits over employee injuries
How much does business insurance cost for nurses?
As a healthcare worker, I remember sitting down one evening, calculating my own insurance costs as an independent nurse. At first, I thought it would be too expensive. But the truth is, if you’re running a small, one-person medical practice, you’ll usually pay less for insurance than a larger business.
The factors that affect premiums really come down to what your nursing specialty is and the healthcare services offered. Do you use high-end medical equipment? Own your own clinic property? What’s your business income like, and where is your business location? All of these shape your rates.
Your experience level matters too. A seasoned nurse with ten years under their belt may face different rates than someone just starting out. Then there’s the kind of insurance you’ve purchased, general liability, professional liability, or both, and your policy limits and deductibles.
To get an accurate picture, it’s smart to compare quotes. Once I took the time to get a few, it was clear where the value was, not the cheapest, but the most complete protection for the price.
How to Get Business Insurance as a Healthcare Professional?
Getting insurance as a healthcare worker, especially in a specialized field like EEG technology, is actually a simple process, as long as you’re prepared. Whether you’re running a small medical practice or operating solo, all you need is some basic information about your business, such as your income, location, and the number of people you employ.
The process usually takes three steps:
- Fill out a short online application with your business details, including your services offered, equipment, and property information.
- Review and compare quotes for different types of insurance purchased, keeping in mind what best matches your risk level, policy limits, and deductibles.
- Choose your coverage, pay for your plan, and instantly download your certificate of insurance.
Licensed agents help match you with trusted U.S. providers, making sure the coverage fits your exact needs, whether you operate solo or manage a team. When I applied, I was able to find a policy tailored to my EEG services, factoring in the tools I use and where I work. It gave me peace of mind knowing my medical setup was protected and that I wouldn’t face heavy out-of-pocket costs in case of a claim.
Two ways to start your coverage
Quotes online
Talk to an agent
Verified business insurance reviews
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FAQ’s about Nurses Insurance
While healthcare laws don’t always require malpractice insurance, EEG technicians, much like nurses, should strongly consider it. As a healthcare worker, I’ve found it essential for both peace of mind and professional protection. You might need this insurance when signing a contract, joining a medical network, or working at a business location like a clinic or hospital. In some cases, state rules may even ask for proof of coverage before you can get a license.
Here are a few reasons why you should still carry malpractice insurance:
- You may need it to get hired or pay for a policy as part of a hospital's contract.
- Certain types of insurance are required for business licensing in some states.
- Your employer’s insurance may not offer enough coverage or may exclude certain services offered.
- It helps protect your professional services in case of a mistake, such as misreading brainwave data or using the wrong settings on medical equipment.
- The policy also covers your legal fees, which can be high if someone sues for negligence.
This kind of coverage, including policy limits and deductibles, is often easy to get, just compare quotes online, pick the right plan, and you’re covered.
The most common malpractice insurance for nurses is a claims-made policy. This type of insurance coverage protects you only if the policy is active when both the incident and the claim happen. That’s why it’s important to maintain continuous coverage, especially if you work independently in healthcare or own a small business.
Unlike general liability insurance, which is occurrence-based and still covers you after your policy ends, a claims-made professional liability policy requires active status at the time of the claim. Luckily, insurance companies offer options like:
- A retroactive date to cover past services
- Tail coverage to protect after the policy ends
Most nursing professionals choose limits like $1 million per claim and $1 million total to keep their business and career safe.
To stay protected from the many risks in nursing, you might want to include the following types of coverage in your insurance policy:
- Telehealth coverage – for lawsuits related to virtual care
- License defense – if your nursing license is at risk
- Needlestick coverage – for injuries from needles or sharp tools
- HIPAA defense – for any issues with patient data or privacy rules
With the right insurance, nurses can stay focused on providing care, not on legal worries.
To stay protected from the many risks in nursing, you might want to include the following types of coverage in your insurance policy:
- Telehealth coverage – for lawsuits related to virtual care
- License defense – if your nursing license is at risk
- Needlestick coverage – for injuries from needles or sharp tools
- HIPAA defense – for any issues with patient data or privacy rules
With the right insurance, nurses can stay focused on providing care, not on legal worries.
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