Learn about business insurance requirements and the most common policies for nurses in California.
If you have a commercial lease, your property manager may require you to purchase general liability insurance. Commonly purchased by nurses in California, general liability insurance can protect your business from expenses associated with common mishaps, such as client property damage and injuries.
State law in California requires every small business that has employees to provide workers’ compensation insurance, which covers medical bills for work injuries. This policy is also recommended for sole proprietors and independent contractors, as health insurance can deny claims for injuries related to your job.
If your business owns a vehicle, you're required to carry commercial auto insurance. This policy helps cover medical bills and property damage if your business vehicle is involved in an accident.
Nurses in California most often buy the following types of insurance. Which policies you need depends on the specifics of your business, such as the number of employees, ownership of a business vehicle, and the terms of any leases or contracts.
General liability insurance is the foundation of a nurse’s business protection, with coverage that extends to client injuries, client property damage, and advertising injuries. Most commercial leases require you to have this coverage.
Businesses in California that hire employees are required to carry workers’ compensation coverage. If you are a sole proprietor, the coverage is optional. However, if you slip and break an arm in your office, or injure your back lifting a patient, you can turn to your workers’ comp policy to help pay your medical bills and lost wages.
Professional liability insurance for nurses protects against claims that your work caused harm. That could include accidentally administering the wrong medication, or a baseless claim that you mistreated a patient. This coverage is sometimes referred to as malpractice insurance.
State law requires commercial auto insurance for business vehicles used to transport people or merchandise. Business and personal vehicles must comply with California's auto liability insurance requirements:
This policy helps cover the costs of injuries and property damage in an accident involving a work vehicle.
Nurses handle sensitive patient information on a daily basis, which is why cyber liability insurance is so important for this profession. This policy helps cover the costs of data breach notifications, fraud monitoring services, and other necessary responses to a data breach or cyberattack.
Any professional who handles sensitive patient information should invest in cyber liability insurance and become familiar with California's data breach notification laws.
According to an analysis of Insureon applications, the typical nurse in California can expect to pay the same as the national median for some policies, but significantly more for others.
The median annual cost of a business owner’s policy for a nurse in the state is $500, exactly the same as the national median.
Nurses in California pay a median of $2,675 for workers' compensation coverage, which is more than double the national median.
Insureon’s industry-leading technology helps nurses in California save time and money shopping for insurance by comparing policies from top U.S. carriers. Start a free online application to review quotes for the policies that best fit your business. Our insurance agents are licensed in California and can answer your questions as you consider coverage.
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