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Nursing insurance in North Carolina
Learn about business insurance requirements and the most common policies for nurses in North Carolina.
Which insurance policies are required for nurses in North Carolina?
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 North Carolina, general liability insurance can protect your business from expenses associated with common mishaps, such as client property damage and injuries.
State law in North Carolina 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 policies for nurses in North Carolina?
Nurses in North Carolina 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 (BOP)
Nurses in Charlotte and elsewhere in the state sometimes qualify for a business owner’s policy. 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 North Carolina that hire three or more employees are required to carry workers’ compensation insurance. This policy covers the cost of work injuries, from medical treatment to disability benefits.
Workers' comp 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. It's sometimes referred to as malpractice insurance.
Commercial auto insurance
Business vehicles in North Carolina must carry enough commercial auto insurance to meet the state's minimum requirements for auto liability insurance.
North Carolina’s minimum requirements for auto liability insurance (and uninsured motorist coverage) are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability
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.
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How much does business insurance cost for nurses in North Carolina?
According to an analysis of Insureon applications, nurses in North Carolina can expect to pay less than the national median for most policies.
For example, the median annual cost of workers’ compensation for a nurse in the state is $784, significantly less than the national median of $1,019.
Business owner’s policies for nurses in North Carolina cost a median of $400 annually, which is also less than the national median.
Save time and money with Insureon
Insureon’s industry-leading technology helps nurses in North Carolina 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 North Carolina 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: December 17, 2023
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