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Business Insurance for Nurses
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Why do nurses need business insurance?
Working as a nurse can be a rewarding experience, but it also leaves you vulnerable to risks. Be aware that your employer's insurance, or that of a temporary agency, may not protect you. Business insurance provides peace of mind and financial protection against lawsuits and injuries that might otherwise overwhelm your small business.
One application, multiple quotes
Insureon helps nurses compare small business insurance quotes from top U.S. carriers online.
Get several quotes with one easy application.
What types of insurance do nurses need?
These policies cover risks faced by registered nurses and nurse practitioners.
General liability insurance
This policy helps pay for lawsuits from common accidents, such as an elderly patient who trips and breaks a hip. It's often required for a commercial lease.
BEST FOR
- Slip-and-fall accidents
- Damaged patient property
- Libel and other advertising injuries
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for RNs, LPNs, and other nursing professionals to combine commercial property insurance with a general liability insurance policy.
BEST FOR
- Slip-and-fall accidents
- Damaged patient property
- Business property damage and theft
Workers’ compensation insurance
Most states require workers' comp for nursing businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal fees from employee injuries
Professional liability / medical malpractice
Professional liability coverage, also called medical malpractice insurance, covers attorney's fees and other expenses if a patient sues a nurse for an error, such as administering the wrong medication.
BEST FOR
- Failure to deliver promised services
- Accusations of negligence
- Mistakes or oversights
Commercial auto insurance
Most states require commercial auto insurance for vehicles owned by a nurse's business. It helps cover the cost of an accident involving your business vehicle.
BEST FOR
- Damage caused by your vehicle
- Medical bills from an auto accident
- Vehicle theft and vandalism
Cyber liability insurance
This policy helps nurses 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 expenses
- Data breach lawsuits
- Fraud monitoring costs
Looking for different coverage? See more policies.
How much does business insurance cost for medical professionals?
A small healthcare clinic will pay less for insurance than a larger business.
Factors that affect premiums include:
- Healthcare services offered
- Medical equipment and property
- Business income
- Years of experience
- Types of insurance purchased
- Policy limits and deductibles
See business insurance requirements for nurses in your state
Choose your state to learn about insurance requirements for nurses.
How do I get nurse liability insurance?
It's easy to get nurse malpractice insurance and other policies if you have your company information on hand. Our application will ask for basic facts about your business, 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 coverage for registered nurses and nurse practitioners, whether you work independently or hire employees.
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