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 insurance

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?

Healthcare professional below a thought bubble with a dollar sign.

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

View Costs

See business insurance requirements for nurses in your state

Choose your state to learn about insurance requirements for nurses.

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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.

What our customers are saying

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