Find insurance for nurses in Michigan
Learn about nursing insurance requirements and the most common policies for healthcare professionals in Michigan.
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What are the most common insurance policies for nurses in Michigan?
Nurses may need different types of insurance depending on the work they do. These are the most popular insurance policies for Michigan 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.
- Oversights in care
- Documentation errors
- Failure to monitor a patient
Workers’ compensation insurance
Workers’ compensation is required for all Michigan businesses with at least one full-time employee or three part-time employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- 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.
- 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.
- Patient bodily injuries
- 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.
- Customer notification expenses
- Data breach lawsuits
- Fraud monitoring costs
Commercial auto insurance
Michigan 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.
- Damage caused by your vehicle
- Medical bills from an auto accident
- Vehicle theft and vandalism
Which policies are required for nurses in Michigan?
General liability insurance
Nurses in Michigan aren’t required to have general liability insurance, but if you sign a commercial lease for your clinic or office space, 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, are also included in this coverage, but defamation and invasion of privacy are not. Those are considered a breach of duty in patient care and would be covered by malpractice insurance.
Professional liability / Medical malpractice insurance
While Michigan doesn’t require healthcare professionals to have medical malpractice insurance, many hospitals and healthcare facilities include it as a condition of employment.
Malpractice coverage, also known as professional liability insurance, plays a big role in a healthcare provider’s risk management strategy. Some employers provide a nursing malpractice insurance policy, but an employer’s policy is typically limited and meant to focus on their interests if a case goes to court.
Having your own professional liability insurance policy lets you determine coverage limits and have peace of mind knowing your interests will be represented. This coverage 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
Workers' compensation insurance
Nursing practices with three or more part-time employees, or at least one employee working 35 hours or more per week for 13 weeks, are required by Michigan state law to provide workers’ compensation insurance.
On top of covering medical bills for work-related injuries and occupational diseases, this policy provides:
- Disability benefits to offset lost wages for Michigan 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.
Workers' comp is also recommended for sole proprietors, as health insurance can deny claims for injuries related to your job.
Commercial auto insurance
If your nursing practice uses a vehicle for business in Michigan, it must carry 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.
Michigan requires both bodily injury coverage and personal injury protection (PIP). The minimum coverage requirements are:
- $50,000 for bodily injury liability per person
- $100,000 for bodily injury liability per accident
- $10,000 for property damage in another state
- $250,000 personal injury protection (or less for individuals enrolled in Medicare or Medicaid)
Keep in mind, if you’re traveling to patients’ homes, personal auto insurance won't cover work-related driving. Whether you take your own car or you rent or lease a vehicle, you’ll need hired and non-owned auto insurance (HNOA), which can typically be added to your general liability policy as an endorsement.
How much does business insurance cost for Michigan nurses?
Nurses in Michigan who buy policies from Insureon pay an average of:
Malpractice insurance: $67 per month
Workers' compensation: $70 per month
Business owner’s policy: $65 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 Michigan?
In order to obtain a license in Michigan to become a Licensed practical nurse (LPN) or Registered nurse (RN), all applicants must:
- Graduate from an approved nursing education program
- Apply online
- Complete a criminal background check
- Answer Good Moral Character questions
- Complete Human Trafficking Training and Implicit Bias Training
- Pass the National Council Licensure Examination (NCLEX)
Nurses with existing licenses must verify their credentials with the Michigan Board of Nursing.
Nurse practitioners (NPs) need to have a valid Michigan RN license, a Master of Science in Nursing (MSN), and apply through the Michigan Board of Nursing.
Healthcare professionals who fail to obtain the necessary license before performing work in Michigan could face considerable penalties, including fines, probation, and possible license suspension.
How do I get Michigan nursing insurance?
Insureon helps Michigan 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 Michigan 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.