Nurse Malpractice Insurance

Nursing liability insurance will typically cover Professional Liability Insurance (also known as Medical Malpractice Insurance). Professional Liability Insurance could cover the legal costs for negligence claims or bodily injury within the following areas:

• Failure to attend a patient;
• Failures in diagnosis;
• Failures in referral or consultation;
• Failure to protect or warn third parties; or,
• Substandard treatment

While many employers provide corporate coverage, independent nurses or traveling nurses who are renting space are unlikely to be covered by a facility’s insurance policy. Additional coverage listed below is recommended for nurses who run a business or offer their services at multiple locations:

• Commercial General Liability (CGL) Insurance, also known as ‘slip and fall insurance,’ CGL protects you from the risks you may encounter during day-to-day business operations, including third-party property damage or bodily injuries. For example, a patient slips on unattended spilled hand sanitizer – they injure their back and successfully sue for physical harm. Your CGL could cover the legal fees and medical expenses.

• Cyber Liability Insurance is important coverage for any professional who stores patient information, confidential data or conducts virtual consultations. It covers costs associated with electronic incidents involving your technology systems and customer data, such as incident response and breach management fees.