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Find insurance for nurses in North Carolina
Learn about nursing insurance requirements and the most common policies for healthcare professionals in North Carolina.
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What are the most common insurance policies for nurses in North Carolina?
Nurses may need different types of insurance depending on the work they do. These are the most popular insurance policies for North Carolina 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
North Carolina requires workers’ comp for businesses with three or more employees. It also protects sole proprietors from work injury costs 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
- 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.
BEST FOR
- Customer notification expenses
- Data breach lawsuits
- Fraud monitoring costs
Commercial auto insurance
North Carolina 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 North Carolina?
Whether you're in Raleigh, Charlotte, or elsewhere in the state, nurses in North Carolina typically must carry the following types of insurance coverage to comply with laws and contracts:
General liability insurance
North Carolina nurses 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 covered claims, 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
Medical malpractice insurance, also known as professional liability insurance, isn’t mandatory for nurses in North Carolina, but many hospitals and healthcare facilities require it as a condition of employment.
Although some employers provide nursing malpractice insurance, an employer’s policy is usually limited and prioritizes the employer’s interests if a case goes to court. Purchasing your own malpractice coverage is a smart risk management strategy, as it allows you to select coverage limits and ensures that your interests are fully 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
North Carolina businesses with three or more employees are legally required to provide workers’ compensation insurance. Sole proprietors should also consider workers’ comp coverage, as health insurance can deny claims for injuries related to your job.
This policy provides:
- Medical bill coverage for work-related injuries and occupational diseases.
- Disability benefits to offset lost wages for North Carolina 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
When a nursing practice uses a vehicle for business in North Carolina, 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.
North Carolina’s minimum requirements for auto insurance are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability
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.
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How much does business insurance cost for North Carolina nurses?
Nurses in North Carolina who buy policies from Insureon pay an average of:
Malpractice insurance: $58 per month
Workers' compensation: $34 per month
Business owner’s policy: $57 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 North Carolina?
To become a registered nurse (RN) or licensed practical nurse (LPN) in North Carolina, you must apply for your license through the North Carolina Board of Nursing (NCOBN).
Whether you’re applying by examination, meaning you’re a first-time applicant, or by endorsement, if you’re already licensed in another state, you’ll need to complete the following steps:
- Apply online
- Complete a criminal background check
- Provide proof of graduation from an approved nursing program or verify your existing license
- Pass the National Council Licensure Examination (NCLEX)
Nurse practitioner (NP) applicants must meet the following requirements:
- Complete an approved graduate-level nursing program with an NP specialization
- Pass a national certification exam from an accredited organization, such as the American Academy of Nurse Practitioners (AANP)
- Apply for registration with the NCOBN
- Complete a criminal background check
- Obtain approval to practice from both the NCOBN and the North Carolina Medical Board
- Establish a collaborative practice agreement with a licensed physician
Once licensed, you’ll need to comply with North Carolina’s continuing education requirements for healthcare providers to renew your license every two years.
Healthcare professionals who fail to obtain the necessary license before performing work in North Carolina could face considerable penalties, including fines, probation, and possible license suspension.
How do I get North Carolina nursing insurance?
Insureon helps North Carolina 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 North Carolina 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.