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Insurance for nurses in Illinois

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

Which policies are required for nurses in Illinois?

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

State law in Illinois requires every small business that has employees to provide workers’ compensation insurance, which covers medical bills for work injuries.

Note: Insureon cannot provide quotes for professional liability insurance for nurses, also called malpractice insurance.

Compare business insurance quotes for nurses from top U.S. carriers

What are the most common policies for nurses in Illinois?

The most common policies for nurses in Illinois 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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Illinois workers' compensation

Businesses in Illinois 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.

What do nurses in Illinois pay for business insurance?

According to an analysis of Insureon applications, the typical nurse in Illinois can expect to pay about the same as the national median for most policies. For example, the median annual cost of a business owner’s policy for a nurse in the state is $500, exactly the national median rate.

Median insurance costs for nurses in Illinois.

Save time and money with Insureon

Insureon’s industry-leading technology helps nurses in Illinois 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 Illinois 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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