Travel nurses take temporary positions, which means they might not always know the nuances of a workplace. Business insurance is crucial, as it can cover costs if you make a documentation error in an unfamiliar system, or face an accusation of substandard care.
These insurance policies cover common risks faced by travel nurses.
This travel nurse liability insurance covers attorney's fees and other expenses related to professional negligence, such as failure to monitor a patient.
Most states require workers' comp for businesses that have employees. It also protects nurses who work independently from work-related medical bills that health insurance might deny.
A business owner's policy, or BOP, is a cost-effective way for travel nurses to buy commercial property insurance and general liability coverage together.
A general liability policy covers legal defense costs from third-party accidents, such as an elderly patient who slips and suffers an injury. It's often required for a commercial lease.
This policy helps travel 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.
Most states require commercial auto insurance for vehicles owned by a travel nurse's business. It helps cover the cost of accidents involving your business vehicle.
It's easy to get travel nurse malpractice insurance and other policies if you have your business information on hand. Our application will ask for basic facts about your business, such as revenue and scope of practice. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance plan for travel nurses and other nursing professionals, such as nurse anesthetists, nurse practitioners, and caregivers, whether you work part-time, full-time, or have employees.
Travel nurses rely on malpractice insurance, sometimes referred to as a professional liability insurance policy, to pay for costly lawsuits related to professional negligence. While similar in nature, you might need both malpractice and professional liability coverage depending on your risks. There are several reasons why you might need this coverage:
Fortunately, it's possible to save money on malpractice insurance costs. Insureon's easy online application lets you compare quotes to find the best possible rate. You can customize your coverage options to match your specific needs and your budget.
Yes, travel nurse staffing agencies often provide insurance coverage to defend against malpractice suits. However, it likely only covers you while you're actively under contract. Your employer's coverage may also be limited to certain situations.
To ensure you're fully protected, it's worth investing in your own policy. This gives you the advantage of choosing your own legal representation in court, too.
It's important to maintain coverage, as malpractice insurance is usually sold as a claims-made policy instead of an occurrence-based policy. That means the policy must be active when the claim is filed for you to collect on a claim.
Travel nurses may need additional protection depending on the type of work they do and their risks. Fortunately, it's possible to modify your malpractice insurance to cover a wide range of claims, including:
Consult a licensed insurance agent to find out about any exclusions or to add other types of coverage to your policy.