Business Insurance Requirements for Nurses in North Carolina

Nurses in North Carolina, especially those in the Research Triangle, are at the epicenter of world-class medical facilities, nursing programs, and technological innovations that improve the well-being of the nation. Additionally, more than one in five residents of the Tar Heel State will be 65 or older by 2035, according to estimates by the U.S. Census Bureau. Business opportunity for nurses in the state continues to rise steadily alongside the growing share of seniors.

Just as no two patients are alike, a nurse’s practice in Charlotte will have different needs than those of an independent nurse in Raleigh. However, there are some commonalities to consider when choosing business insurance to secure your company. Will your company move into commercial space? Most leasing agreements require proof of general liability insurance and/or commercial property insurance. North Carolina state law requires small businesses with three or more workers to carry workers’ compensation insurance. Professional liability insurance, also called nurse malpractice insurance or errors and omissions insurance, is not required by North Carolina state law but may be required when seeking individual hospital privileges.

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 North Carolina, and start an application to get your free quotes today.

Find the right insurance policy for your nursing business

The most common policies for North Carolina 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 type.


Business type General liability / BOP Professional liability / malpractice Workers' comp
Contractor / freelancer / 1099 X X  
Sole proprietor X X  
Employer 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.

North Carolina workers' compensation: North Carolina state law requires workers’ compensation coverage for all small businesses with three or more employees. 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, but it is not required. Given the nature of the occupation, nurses are at high risk for workplace injury. In fact, nurses are more at risk of injury than those working in construction or manufacturing, according to the Occupational Safety and Health Administration. Costly injuries resulting from falls, slips, or trips and overexertion are among the most common for nurses, according to 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 North Carolina

Perhaps due to the state’s business-friendly policies, nurses in North Carolina can expect to pay less than the national median to insure their company, according to an analysis of Insureon applications. In particular, workers’ compensation coverage is much lower than in many other states, at only $70 per month. Workers’ comp is typically the most costly policy for nurses due to their high risk of injury. In all, the median cost for North Carolina nurses to protect the health of their small business is less than $200 per month.

Median Insurance Costs for North Carolina Nurses

Save time and money with Insureon

Insureon’s industry-leading technology helps nurses in North Carolina 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 North Carolina 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.