Nursing Professional Insurance

Nursing is one of the most trusted professions, but it also comes with high responsibility and risk. Every day, nurses make critical decisions that directly affect patient outcomes. Even with the best training and intentions, mistakes can happen — and lawsuits in healthcare are becoming more common. That’s where nursing professional insurance (also called nurse malpractice insurance or professional liability insurance) becomes essential.

What Is Nursing Professional Insurance?

Nursing professional insurance is a specialized liability policy that protects nurses from financial loss if they are accused of negligence, malpractice, or errors in patient care. While many nurses rely on employer-provided coverage, those policies often prioritize the hospital’s or clinic’s interests — not the individual nurse.

Having your own coverage ensures that you are protected even if your employer’s insurance doesn’t fully cover you.

What Does Nursing Professional Insurance Cover?

A comprehensive nurse liability insurance policy typically includes:

• Malpractice and Negligence Claims – Protection if a patient or family alleges an error, omission, or failure in care.

• Legal Defense Costs – Coverage for attorney fees, court costs, and settlements.

• License Protection – Support if you face disciplinary action before a nursing board.

• HIPAA Violations – Coverage for unintentional breaches of patient privacy.

• Good Samaritan Acts – Protection if you provide emergency care outside of work.

Why Do Nurses Need Their Own Insurance?

Even if your employer provides coverage, it may not be enough. Here’s why:

• Employer policies protect the institution first. You may be left personally liable.

• Coverage gaps exist. For example, working per diem, volunteering, or providing telehealth may not be covered.

• Lawsuits target individuals. Patients and families often name the nurse directly in legal claims.

• Peace of mind. Knowing you are fully protected allows you to focus on patient care without constant worry.

Who Needs Nursing Professional Insurance?

• Registered Nurses (RNs)

• Licensed Practical Nurses (LPNs)

• Nurse Practitioners (NPs)

• Nursing students and recent graduates

• Travel and agency nurses

Any nurse who provides direct or indirect patient care should consider individual coverage.

How Much Does Nursing Professional Insurance Cost?

The cost depends on your role, experience, and work environment. On average:

• RNs and LPNs: $100 – $250 per year

• Nurse Practitioners: $500 – $1,200 per year

When you compare this to the potential cost of a lawsuit — which can easily exceed $100,000 — the investment is minimal.

FAQs About Nursing Professional Insurance

Do nursing students need professional insurance?
Yes. Many schools and clinical sites require students to carry their own coverage.

Will my employer know if I have my own policy?
No. Policies are private and confidential.

Does it cover telehealth services?
Yes, if included in your policy. It’s important to confirm with your provider.

Can travel nurses get coverage?
Absolutely. Nursing professional insurance can follow you across state lines and assignments.

Nursing professional insurance protects nurses from malpractice claims, license issues, and legal costs. It’s affordable, often less than $1 a day, and ensures peace of mind beyond employer coverage.

With over 30 years of experience helping healthcare professionals, we know how to find the best coverage for your needs. Our agency works with nearly 100 insurance carriers, so you get the best price and strongest protection available.

👉 Start now and see your options instantly. Get your personalized quote today. It’s fast, secure, and tailored to you.