Business Insurance for Nurses

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A smiling nurse with a stethoscope covering an elderly person with a blanket in a nursing home.
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Save money by comparing business insurance quotes for nurses

Nurse contractors, traveling nurses, and nurse practitioners face numerous risks each day. Insurance for nurses can cover injuries from lifting patients, accusations of negligence, and more.

Nurse checking a patient's vital signs.
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Compare quotes from top-rated U.S. carriers

Nurses can compare insurance quotes from top U.S. carriers online with Insureon. Fill out one application to receive multiple quotes.

What types of insurance do nurses need?

These policies provide coverage for the most common risks for nurses.

Business owner’s policy icon

Business owner’s policy

A business owner’s policy combines commercial property and general liability insurance. A BOP is often the most cost-effective commercial insurance for nurses.

  • Slip-and-fall accidents
  • Damaged patient property
  • Damaged business property
General liability insurance icon

General liability insurance

This policy covers common risks for nurses, such as an elderly patient slipping and breaking a hip. Bundle with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged patient property
  • Libel or slander lawsuits
Professional liability insurance icon

Professional liability insurance

Professional liability insurance, also called malpractice insurance, covers legal expenses if a patient files a lawsuit against a nurse for an error like administering the wrong medication.

  • Failure to deliver promised services
  • Accusations of negligence
  • Mistakes or oversights
Workers’ compensation insurance icon

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.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Looking for different coverage? See more policies.

Why do nurses need insurance?

While running a nursing practice can be an incredibly rewarding experience, it also leaves you vulnerable to risks. From employee injuries to malpractice lawsuits, insurance for nurses helps cover the cost of unexpected incidents. Some policies, such as workers' compensation for employees, are required by law.

How much does business insurance cost for healthcare professionals?

Healthcare professional below a thought bubble with a dollar sign.

Several factors will have an impact on insurance costs, including:

  • Healthcare services offered
  • Medical equipment and property
  • Revenue
  • Location
  • Number of employees
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