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Find insurance for nurses in Illinois
Learn about healthcare professionals' insurance requirements and the most common policies for nurses in Illinois.
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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 Illinois?
Nurses may need different types of insurance depending on the work they do. These are the most popular insurance policies for Illinois 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
Illinois requires workers' comp for businesses with 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
Illinois 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 Illinois?
General liability insurance
The state of Illinois doesn't require nurses to have general liability insurance, but if your clinic or office space is on a commercial lease, your landlord will probably require it.
This policy covers costs 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.
- Advertising injuries, such as copyright infringement.
Keep in mind, defamation and invasion of privacy are not included, as those are considered a breach of duty in patient care and would be covered by malpractice insurance.
Professional liability / Medical malpractice insurance
Illinois nurses aren’t legally required to carry medical malpractice insurance, but many hospitals and healthcare facilities will require employees to have it. Also known as professional liability insurance, this coverage plays a crucial role in a healthcare provider’s risk management plan.
Even if your employer provides nursing malpractice insurance, the coverage on an employer’s policy is typically limited and would focus on your employer’s interests if a case goes to court. Having your own professional liability insurance policy lets you select coverage limits and gives you peace of mind knowing your interests will be represented.
A malpractice insurance policy includes:
- 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.
As part of their malpractice coverage, nurses can secure coverage for specialized risks and malpractice claims 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
Illinois state law requires nursing practices with 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 Illinois workers 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, Illinois legally 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.
Illinois's insurance requirements are:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $20,000 for property damage liability per accident
If you’re treating patients in their homes, personal auto insurance won't cover work-related driving. Whether you take your own car or you rent or lease a vehicle for business, 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 business insurance cost for Illinois nurses?
Nurses in Illinois who buy policies from Insureon pay an average of:
Malpractice insurance: $69 per month
Workers' compensation: $52 per month
Business owner’s policy: $101 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 Illinois?
Whether you’ve just graduated or you’re already licensed in another state, nurses in Illinois need to apply for their license through the Illinois Department of Financial and Professional Regulation (IDFPR).
License by examination
For initial licensure, you must:
- Graduate from an approved nursing education program
- Submit an application through Continental Testing Services, IDFPR’s designated testing vendor
- Pass the National Council Licensure Examination (NCLEX)
- Complete a fingerprint background check
License by endorsement
If you’re licensed outside IL, you need to:
- Apply on the IDFPR's portal
- Verify your existing license
- Complete a fingerprint background check
Nurse practitioners (NPs) must earn a post-graduate degree in nursing, obtain national certification in their specialty, and apply for licensure through the IDFPR. Once licensed, Illinois requires that NPs enter into a collaboration agreement with a licensed physician.
Registered nurses (RNs), licensed practical nurses (LPNs), and other healthcare professionals who fail to obtain the necessary license before performing work in Illinois could face considerable penalties, including fines, probation, and possible license suspension.
How do I get Illinois nursing insurance?
Insureon helps Illinois 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 Illinois and can answer your questions as you consider coverage.
To speed up the application process, have this information handy:
- 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.