Nurse Insurance
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Nursing insurance in Michigan

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

Which policies are required for nurses in Michigan?

Whether you're a registered nurse (RN), nurse practitioner (NP), or licensed practical nurse (LPN), contracts and state laws may 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 Michigan, general liability insurance can protect your business from expenses associated with common mishaps, such as client property damage and injuries.

State law in Michigan requires every small business that employs one or more workers for 35 hours per week for 13 or more weeks, or three or more workers at any one time, 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.

What are the most common insurance policies for nurses in Michigan?

Nurses in Michigan 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.

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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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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.

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Workers' compensation insurance

Businesses in Michigan that employ one or more workers for 35 hours per week for 13 or more weeks, or three or more workers at any one time, are required to carry workers’ compensation insurance.

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.

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Professional liability / medical malpractice insurance

Professional liability insurance 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.

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Commercial auto insurance

Business vehicles in Michigan must carry enough commercial auto insurance to meet the state's minimum requirements for auto liability insurance.

Michigan requires both bodily injury coverage and personal injury protection (PIP). The insurance requirements are:

  • $50,000 bodily injury liability per person
  • $100,000 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)

Commercial auto insurance helps pay for medical bills, legal fees, and property damage when a business vehicle is involved in an accident.

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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.

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How much does business insurance cost for Michigan nurses?

According to an analysis of Insureon applications, nurses in Michigan can expect to pay more than the national median for most policies.

For example, the median annual cost of workers’ compensation insurance for a nurse in the state is $1,319, while the national median is $1,019.

The median for a general liability policy in Michigan is more than $1,100, which is significantly more than the national median of $437.

Median insurance costs for nurses in Michigan.

Save time and money with Insureon

Insureon’s industry-leading technology helps nurses in Michigan 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 Michigan 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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Updated: December 17, 2023
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