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Insurance for nurses in Georgia
Learn about business insurance requirements and the most common policies for nurses in Georgia.
Which policies are required for nurses in Georgia?
Whether you're a registered nurse (RN), nurse practitioner (NP), or licensed practical nurse (LPN), contracts and state laws will require you to carry certain types of insurance.
If you have a commercial lease, your property manager may require you to purchase general liability insurance. Commonly purchased by nurses in Georgia, general liability insurance can protect your business from expenses associated with common mishaps, such as client property damage and injuries.
State law in Georgia requires every small business that has three or more employees to provide workers’ compensation insurance, which covers medical bills for work injuries.
Commercial vehicles and vehicles used primarily for work must be covered by commercial auto insurance. This policy helps cover legal costs and medical bills in the event of an auto accident.
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What are the most common insurance policies for nurses in Georgia?
Nurses in Georgia 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
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.
Business owner's policy
Nurses sometimes qualify for a business owner’s policy (BOP). This package helps your business save money by bundling commercial property insurance with general liability coverage at an affordable rate.
Workers' compensation insurance
Businesses in Georgia that hire three or more workers are required to carry workers’ compensation coverage for protection against medical bills from workplace injuries.
This coverage is optional for sole proprietors and independent contractors. However, it's still recommended, as health insurance can deny claims for injuries related to your job.
Professional liability / medical 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. This policy is sometimes referred to as medical malpractice insurance.
Commercial auto insurance
Business vehicles in Georgia must carry enough commercial auto insurance to meet the state's minimum requirements for auto liability insurance.
Georgia's insurance requirements are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
This policy helps pay for medical bills, legal fees, and property damage when a business vehicle is involved in an accident.
Cyber liability insurance
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 data breaches and cyberattacks.
How much does insurance cost for Georgia nurses?
According to an analysis of Insureon applications, nurses in Georgia can expect to pay premiums similar to the national median for some policies, but significantly higher than the national median for others.
For example, the median cost of workers’ compensation insurance for Georgia nurses is $1,363, while the national median for nurses is only $1,019.
Save time and money with Insureon
Insureon’s industry-leading technology helps nurses in Georgia 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 Georgia 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.
Updated: July 20, 2022