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Find insurance for nurses in Florida
Learn about healthcare professionals' insurance requirements and the most common policies for nurses in Florida.
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Insureon helps nurses compare insurance quotes from top-rated U.S. providers.
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What are the most common insurance policies for nurses in Florida?
Nurses may need different types of insurance depending on the work they do. These are the most popular insurance policies for Florida nurses, which protect against financial losses from accidents and lawsuits.
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 an incorrect dosage.
BEST FOR
- Oversights in care
- Documentation errors
- Failure to monitor a patient
Workers’ compensation insurance
Florida requires workers' comp for businesses with four or more employees. It also protects sole proprietors from work-related medical bills that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal fees from employee injuries
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for RNs, LPNs, and other kinds of nurses to buy general liability insurance and commercial property insurance together.
BEST FOR
- Slip-and-fall accidents
- Damaged patient property
- Business property damage and theft
General liability insurance
This policy helps pay for lawsuits from common accidents, such as a patient who slips during a wheelchair transfer and suffers a concussion. It's often required for a commercial lease.
BEST FOR
- Slip-and-fall accidents
- Accidental damage to patient property
- Libel and other advertising injuries
Cyber 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
Commercial auto insurance
Florida law requires commercial auto insurance for vehicles owned by a nurse's practice. 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
Looking for different coverage? See more policies.
Which policies are required for nurses in Florida?
General liability insurance
Will you be signing a commercial lease for your clinic or office space? If so, your landlord will probably require you to get general liability insurance. Nurses often purchase general liability insurance first, as it covers expenses related to:
- Bodily injury: Handles legal fees if a patient trips over a loose rug in your clinic and sprains their ankle.
- Property damage: Pays for damages if you accidentally sit on a patient's glasses and break them.
General liability insurance also covers advertising injuries, such as copyright infringement. However, it doesn't cover defamation or invasion of privacy, as that's considered a breach of duty regarding patient care. In that case, it's covered by malpractice insurance.
Professional liability / Medical malpractice insurance
In Florida, nurse practitioners (NPs), or advanced practice registered nurses (APRNs), are required to be covered by a medical malpractice insurance policy unless they qualify for an exemption.
Also known as professional liability insurance, malpractice coverage plays a big role in risk management for Florida healthcare providers. So, even if an employer provides nursing malpractice insurance, licensed practical nurses (LPNs), registered nurses (RNs), and other nursing professionals should consider buying their own policy.
Employer policies often provide limited coverage and focus on their own interests if a case goes to court. When you purchase a policy, you can choose your limits and gain peace of mind knowing your interests will be represented.
Covered malpractice claims include:
- Legal defense costs related to mistakes, oversights, and other instances of professional negligence.
- Breaches of patient confidentiality, which includes invasion of privacy, such as if a patient sues you for posting their photo on social media without their permission.
Nurses can secure coverage for other specialized risks as part of their malpractice coverage, such as:
- License defense coverage
- Biomedical defense coverage
- HIPAA defense coverage
- Sexual misconduct defense coverage
- Telemedicine coverage
- Nursing home, hospice, and home health coverage
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Workers' compensation insurance
Florida state law requires nursing practices with four or more full- or part-time employees to provide workers’ compensation insurance, which covers medical bills for work-related injuries and occupational diseases. This policy is also recommended for sole proprietors, as health insurance can deny claims for injuries related to your job.
Typically, workers' comp also provides:
- Disability benefits to offset lost wages for Florida workers while they're recovering from a job-related injury, such as a strained back caused by lifting a patient.
- Employer's liability insurance, which covers legal costs if an employee sues their employer over an injury.
Commercial auto insurance
If you purchase a vehicle for your nursing practice, state law requires commercial auto insurance. This policy covers property damage and medical bills resulting from an accident. It can help pay for vehicle theft, weather damage, and vandalism, depending on the coverage options you choose.
Florida's insurance requirements are:
- $10,000 in personal injury protection
- $10,000 in property damage liability
Visiting patients in their homes? Whether you take your own car or you rent or lease a vehicle for business, personal auto insurance won't cover work-related driving. You'll need hired and non-owned auto insurance (HNOA), which can typically be added to your general liability policy as an endorsement.
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How much does liability insurance cost for Florida nurses?
Nurses in Florida who buy policies from Insureon pay an average of:
Malpractice insurance: $79 per month
Workers' compensation: $38 per month
General liability insurance: $39 per month
Several factors affect the cost of insurance for nurses, including:
- The professional services you provide
- Business property and equipment
- Business income and size
- Years of experience
- Policy limits and deductibles
- Claims history
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How do I become a licensed nurse in Florida?
Florida offers two pathways to getting a nursing license, depending on whether or not you're licensed in another state.
License by examination
- Mandates applicates pass the National Council Licensure Examination (NCLEX) or state board test, graduate from an approved nursing program or equivalent program, and submit fingerprints for a background check.
- Ideal for LPNs, RNs, NPs, and ARPNs looking to practice in Florida.
License by MOBILE endorsement
- Allows nurses to apply based on their existing, unencumbered license from a different state.
- Requires nurses to have practiced for at least 3 years, already passed the NCLEX, and must submit to electronic fingerprinting for background screening.
- Ideal for nursing professionals who are relocating to Florida.
Nurses and other healthcare professionals who fail to obtain the necessary license before performing work in Florida could face considerable penalties, including fines, probation, and possible license suspension.
How do I get Florida nursing insurance?
Insureon helps Florida nurses save time and money shopping for nursing liability insurance and other types of coverage by comparing quotes from top-rated U.S. insurance companies.
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 number of employees
- Current and projected revenue
- Business partnerships
- Desired coverage limits
- Claims history
- Insurance requirements of any leases or contracts
Apply for free insurance quotes today. We can work with you to identify and purchase the best insurance solutions for your nursing practice. Most small business owners receive a certificate of insurance the same day.