Business Insurance Requirements for Nurses in Florida

Here’s one statistic illustrating the unique opportunity for nurses in Florida: nearly one in five people in the state are 65 or older, according to recent data from the U.S. Census Bureau. As this group continues to make up a larger portion of the state’s population, the demand for healthcare workers such as nurses grows along with it.

Just as each patient in your care has different needs, the business factors and individual risk that make up your company should heavily influence your choice of business insurance. Will your company require office space? Most leasing agreements require proof of general liability and/or commercial property insurance. Proof of professional liability insurance, also called errors and omissions or nurse malpractice insurance, is typically required by hospitals for nurses seeking admissions and other privileges. Florida state law requires APRNs practicing in the state to carry this coverage or prove they qualify for an exemption. Florida state law also requires all small businesses that employ four or more workers outside of the construction industry to carry workers’ compensation insurance.

Insureon makes shopping for insurance easy with industry-leading technology that gathers quotes from top U.S. carriers that fit your needs. Read more to find out which policies are most common for nurses in Florida, and start an application to get your free quotes today. The information here does not apply to nurse staffing agency owners or nursing home owners.

Find the right insurance policy for your nursing business

The most common policies for Florida nurses vary depending on a number of factors, including revenue, client contracts, and partnerships. The table below illustrates which policies might work best for your business size.


Business type General liability Professional liability / errors & omissions (malpractice insurance) Workers' comp
Independent contractor / sole proprietor with no employees X X  
Nurse practitioner with at least one employee X X X


General liability insurance: General liability insurance is the foundation of a nurse’s business protection with coverage that extends to bodily injury, client property damage, advertising injury, and the cost of legal defense. Most commercial leases require you to have this coverage.

Professional liability insurance: Many clients require proof of professional liability insurance before entering contracts for professional services. This policy, also called errors and omissions insurance or nurse malpractice insurance, can help cover legal expenses if you’re sued for unsatisfactory work or a business discrepancy.

Business owner's policy (BOP): Nurses sometimes qualify for a business owner’s policy. This package helps your business save money by bundling commercial property insurance with general liability at an affordable rate.

Florida workers' compensation: Florida state law requires workers’ comp coverage for all small businesses that employ four or more workers and are not in the construction industry. If an employee is injured on the job, workers’ comp can help pay for medical fees and lost wages. Independent contractors or solo business owners can cover themselves under a workers’ compensation policy if they choose to, but legally they are not required to do so.

Nursing is a physically demanding profession. In 2016, nurses experienced workplace injuries at a rate higher than the national average, according to data from the Bureau of Labor Statistics. An analysis by the Occupational Safety and Health Administration found that nurses are at a greater risk of injury than workers in the construction or manufacturing industries. Nurses most commonly suffer injuries relating to overexertion or falls, slips, and trips, according to 2016 Bureau of Labor Statistics data, shown in the chart below.

Most Common Workplace Injuries: Nurses in the U.S.

Business insurance costs for nurses in Florida

Nurses in Florida can expect their small business insurance costs to trend slightly higher than the national median, according to an analysis of Insureon applications. Workers’ compensation is typically the most costly policy for nurses, given the relatively high risk of injury. It may be tempting to forgo this policy, especially if you only have a few employees. However, the short-term savings could evaporate if you suffer an injury. Overall, nurses in Florida can anticipate paying just $200 to secure the health of their small business.

Median Insurance Costs for U.S. Nurses

Save time and money with Insureon

Insureon’s industry-leading technology helps nurses in Florida save time and money shopping for insurance by comparing policies from dozens of top U.S. carriers. Simply apply online and review quotes for the policies that best fit your business needs. Our insurance specialists are licensed in Florida and can answer your questions as you consider coverage.

To make the application go even quicker, have this information ready:

  • Workforce details, such as the number and types of employees.
  • Current and projected revenue.
  • Business partnerships.
  • Insurance history and prior claims.
  • Commercial lease insurance requirements.

Apply for free nurse insurance quotes today.