Business Insurance for Nurses
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Insurance for nurses in Florida

Learn about business insurance requirements and the most common policies for nurses in Florida.

Which policies are required for nurses in Florida?

If you have a commercial lease, your property manager may require you to purchase general liability insurance. Commonly purchased by nurses in Florida, general liability insurance can protect your business from expenses associated with common mishaps, such as client property damage and injuries.

State law in Florida requires every small business outside of the construction industry that has four or more employees to provide workers’ compensation insurance. Workers' comp covers medical bills for work injuries.

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What are the most common policies for nurses in Florida?

The most common policies for nurses in Florida vary depending on revenue, client contracts, partnerships, and other factors.

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General liability insurance

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.

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Professional liability insurance

Also called malpractice insurance, 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.

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Business owner's policy (BOP)

Nurses sometimes qualify for a business owner’s policy. This package helps your business save money by bundling commercial property insurance with general liability at an affordable rate.

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Florida workers' compensation

Businesses in Florida outside of the construction industry that hire four or more 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.

What do nurses in Florida pay for insurance?

According to an analysis of Insureon applications, the typical nurse in Florida can expect to pay slightly more than the national median for the most common policies. For example, Florida nurses can expect to pay $1,105 for workers' compensation insurance, which is just above the national median premium.

Median insurance costs for nurses in Florida.

Save time and money with Insureon

Insureon’s industry-leading technology helps nurses in Florida 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 Florida and can answer your questions as you consider coverage.

To make the application go quicker, have this information ready:

  • Workforce details, such as the number and types of employees
  • Current and projected revenue
  • Business partnerships
  • Insurance history and prior claims
  • Commercial lease insurance requirements

 Apply for free insurance quotes for nurses today.

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