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Why do midwives need business insurance?
Midwives are responsible for the health of both mothers and babies, which means they are often the first to get blamed if something goes wrong. Business insurance protects against legal expenses from home birth complications, along with other common risks like fires and injuries.
Find affordable coverage
Certified midwives (CMs) and certified nurse midwives (CNMs) can save money on insurance by comparing quotes from top providers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed insurance agent.
What types of insurance do CMs and CNMs need?
These insurance policies cover common risks faced by licensed midwives.
Professional liability / medical malpractice
Medical malpractice insurance covers legal costs when a midwife is sued for professional negligence, such as failure to refer a patient to an obstetrician. It’s also called professional liability coverage.
BEST FOR
- Negligence in prenatal care
- Labor and delivery complications
- Failure to monitor the patient and baby
Workers' compensation insurance
Most states mandate workers' comp for birth and wellness centers that have employees. It also protects midwives who work independently from work-related medical bills that health insurance might deny.
BEST FOR
- Employee medical costs
- Disability benefits
- Lawsuits from employee injuries
General liability insurance
A general liability policy covers the cost of common third-party accidents, such as a patient who slips and suffers an injury at your birthing center. It's often required for a commercial lease.
BEST FOR
- Accidents that injure a patient
- Damaged patient property
- Libel and other advertising injuries
Business owner’s policy
A BOP is a cost-effective way for midwives and birth centers to buy general liability and commercial property insurance together. Eligibility is limited to small, low-risk businesses.
BEST FOR
- Slip-and-fall accidents
- Damaged patient property
- Stolen or damaged business property
Cyber insurance
This policy helps birth centers and midwives pay costs associated with data breaches and cyberattacks. It can often be added to a business owner's policy or general liability policy for savings.
BEST FOR
- Customer notification costs
- Data breach investigations
- HIPAA data breach fines
Commercial auto insurance
Most states require commercial auto insurance for vehicles owned by a birthing center or a midwife's business. It helps cover the cost of accidents involving your business vehicle.
BEST FOR
- Damage caused by your vehicle
- Medical bills from an auto accident
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does business insurance cost for medical professionals?
A midwife who works independently will pay less for insurance than a wellness center with several midwives.
Factors that affect premiums include:
- Type of health care provider, such as doula, nurse, or personal care aide
- Services offered, such as telemedicine, out-of-hospital births, prenatal visits, or postpartum care
- Medical equipment and property
- Business income
- Policy limits and deductibles
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How do I get midwife liability insurance coverage?
It's easy to get business insurance for midwife services if you have your company information on hand. Our application will ask for basic facts about your practice, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance plan for nurses, caregivers, and other healthcare providers, whether you work independently or hire employees.
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FAQs about midwife malpractice insurance and other coverages
Do midwives need malpractice insurance?
There are several reasons why midwives should carry malpractice insurance:
- Your state may require it. For example, all advanced practice registered nurses (APRNs) in Florida, including certified nurse midwives, must carry malpractice insurance.
- Your employer may require it. The healthcare facility you work for may require you to carry malpractice coverage, even if it's not required by state law.
- Your employer's coverage may be limited. Your employer might provide coverage that is effective only in certain situations or for smaller claims. Additionally, it's possible that the employer's lawyers will place their interests above your own in court.
Fortunately, it's possible to find affordable midwife malpractice insurance. Insureon's easy online application lets you compare quotes to find the best possible rate. You can customize your coverage options to match your specific needs and your budget.
Why is continuous coverage important for midwifery services?
Medical malpractice insurance is usually a claims-made policy instead of an occurrence-based policy. That means it only provides coverage for claims filed while the policy is active.
It's important to maintain continuous coverage with this type of insurance, as a lapse could leave you paying for a lawsuit out of pocket. You may want to set a retroactive date for coverage, which provides protection for work done in the past up to a specific date.
In general, lapses in insurance coverage can lead to an increase in your premium, as insurers may charge more for stopping and restarting coverage.
What's the difference between a certified midwife (CM) and a certified nurse midwife (CNM)?
CMs and CNMs are highly trained professionals who are qualified to provide the same level of maternity care and midwifery care. They are both certified by the American Midwifery Certification Board, which requires taking graduate-level courses and passing an exam. They are represented by the same professional organization, the American College of Nurse-Midwives.
The key difference is that certified nurse midwives are also nurses with an RN license. To become a nurse, you must get a degree in nursing, pass the National Council Licensing Examination (NCLEX), and get licensed in your state.
Each state has its own regulations for CMs and CNMs. CNMs are licensed in every state and can prescribe medications, while CMs are only legally recognized to practice in certain states and cannot prescribe medications.