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Why do nursing assistants need business insurance?
If a patient suffers a burn from hot bath water, or falls during a transfer from a wheelchair, the result could be a lawsuit. Business insurance for CNAs protects your personal assets during a legal battle. It can also help pay for work injuries, theft, and auto accidents while driving to clients' homes.
Find affordable coverage
Certified nursing assistants (CNAs) can save money by comparing quotes from top-rated insurance companies.
Fill out Insureon's easy online application to get free quotes and advice from a licensed insurance agent.
What types of insurance do certified nursing assistants need?
These insurance products cover common risks faced by nursing assistants.
Professional liability / medical malpractice
Professional liability insurance coverage pays for legal costs related to negligence, such as poor patient care that results in pressure sores. It's also called malpractice insurance.
BEST FOR
- Accusations of neglect
- Medication errors
- Failure to follow a standard of care
Workers’ compensation insurance
Most states require workers' comp for businesses that have employees. It also protects CNAs who work independently from work-related medical bills that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal fees from employee injuries
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for certified nursing assistants to buy commercial property insurance and general liability coverage together.
BEST FOR
- Bodily injuries from accidents
- Damaged patient property
- Stolen or damaged business property
General liability insurance
A general liability policy covers legal defense costs from third-party accidents, such as an elderly patient who slips and suffers an injury. It's often required for a commercial lease.
BEST FOR
- Slip-and-fall injuries
- Accidental damage to patient property
- Libel and other personal injuries
Cyber insurance
This policy helps nursing assistants 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 nursing assistant'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 CNA who works part-time for a home health agency can expect to pay less for insurance than one who works full-time at a busy hospital.
Factors that affect premiums include:
- Scope of practice
- Medical equipment and property
- Years of experience
- Types of insurance purchased
- Per-occurrence and aggregate liability limits
- Additional insured endorsements
How do I get nursing assistant insurance?
It's easy to get business insurance for nursing assistants if you have your business 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 agents work with top-rated U.S. providers to find the right insurance plan for nurses, home health aides, and other healthcare providers, whether you’re self-employed, work for a healthcare facility, or hire employees.
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FAQs about nursing assistant business insurance
Review answers to frequently asked questions about commercial insurance for nursing assistants.
Why do nursing assistants need to carry malpractice insurance?
Nursing assistants can rely on malpractice insurance, also called a professional liability insurance policy, to cover costly lawsuits related to professional negligence. There are several reasons why you might need this coverage:
- To protect your personal assets. Your employer might provide malpractice coverage, but many nursing professionals choose to buy their own policy to make sure their best interests are represented in court.
- 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.
- Independent contractors are not covered. If you work as an independent contractor, your employer's policy will not provide coverage and you will need to secure your own protection against malpractice lawsuits.
Keep in mind that CNA malpractice insurance is a claims-made policy, which means you’ll need to keep your policy active in order to benefit from it.
How do I become a certified nursing assistant (CNA)?
The application process for a CNA certification varies depending on your state, but the requirements are similar.
In general, you're expected to:
- Complete a state-approved CNA program
- Spend a certain number of hours in clinical training, as part of that program
- Submit a CNA certification application
- Pay the application fee
- Get fingerprinted and submit to a background check
- Pass your state's certification exam
The certification typically lasts for two years. After that time, you need to submit a renewal form and pay a fee, or take a competency exam if you don't meet the renewal criteria.
What other liability insurance do CNAs need?
Nursing assistants may need additional protection depending on the type of work they do and their risks. Fortunately, it's possible to modify your policy to cover a wide range of malpractice claims, including:
- Telemedicine / telehealth coverage
- HIPAA defense coverage
- License defense coverage
- Sexual misconduct defense coverage
- Portable coverage for volunteer or per diem work
Consult a licensed insurance agent to find out about any exclusions or to add other types of liability coverage to your policy.
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