Business Insurance Requirements for Nurses in Texas

The vitality of Texas’ healthcare industry is clear from one statistic: there are more than 3 million Texans over the age of 65, according to the latest data from the U.S. Census Bureau. As the population share of the state’s seniors grows, the necessity for nurses grows along with it.

Whether your nursing practice is in Dallas or Austin, there are commonalities when considering the type of business insurance needed to secure your company. But just as no two patients are the same, your individual risk impacts the policies you should carry. Will your practice require commercial space? Most leasing agreements require proof of general liability insurance and/or commercial property insurance. Texas state law does not mandate employers to carry workers’ compensation insurance, though “non-subscribers” are required to report their status to the state workers’ comp agency. Professional liability insurance, also called nurse malpractice insurance or errors and omissions, is not required by state law but it is recommended by the American Nurses Association.

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

Find the right insurance policy for your nursing practice

The most common policies for Texas 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 / BOP Professional liability / malpractice Workers' comp
Sole proprietor X X  
Freelancer / contractor 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: Also called errors and omissions insurance or nursing malpractice insurance, this policy can help cover legal expenses if you’re sued for unsatisfactory work or a business discrepancy such as a misdiagnosis.

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.

Texas workers' compensation: Texas state law does not require workers’ comp coverage. If you do not elect to carry workers’ comp coverage, you are required to notify the state Division of Workers’ Compensation and your employees of your status as a “non-subscriber.” Independent contractors or sole proprietors are automatically included, but can elect to opt out of coverage. Nursing is a physically demanding occupation and workplace injuries occur frequently, according to data from the Bureau of Labor Statistics shown in the chart below. Nurses are at particular risk for injuries resulting from overexertion and falls, slips, or trips.

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

Business insurance costs for nurses in Texas

Nurses in Texas should expect their insurance costs to be generally around the national median, according to an analysis of Insureon applications. One outlier is errors and omissions, which typically is one of the more costly policies for nurses in the United States, given the high level of risk associated with the profession. It may be tempting to go without this coverage, but the cost of non-coverage could reach six figures. Though Texas state law does not require this policy, the American Nurses Association considers this a critical area of coverage.

Median Insurance Costs for Texas Nurses

Save time and money with Insureon

Insureon’s industry-leading technology helps nurses in Texas 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 Texas 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.