Affordable Malpractice Insurance for Nurses

It’s common knowledge that doctors carry malpractice insurance in case they get sued. But did you know that registered nurses (R.N.) can also be sued? Like doctors, registered nurses can be hit with a lawsuit at any time for any reason.

What is Nursing Malpractice Insurance?

Nursing Malpractice Insurance is a form of professional liability insurance specifically designed for nursing professionals. It protects against claims arising from alleged negligence or errors in their professional practice. This insurance covers legal costs, settlements, or judgments resulting from lawsuits against nurses.

Why It's Important

Malpractice insurance is vital for nurses due to the high-risk nature of their work. It provides:

  • Legal defense and financial coverage in case of lawsuits.
  • Protection of professional reputation and career.
  • Peace of mind, allowing focus on patient care without fear of legal consequences.

Given the complexities of healthcare, nurses are increasingly exposed to legal challenges, making malpractice insurance an essential safeguard.

Some interesting stats:

"According to the American Nurses Association (ANA), 7.5% of nurses will be named in a malpractice lawsuit during their career." Reference: Nursing World

"The average cost of a nursing malpractice lawsuit is $350,000." Reference: The Doctors Company

"The most common allegations in nursing malpractice lawsuits are medication errors (31%), failure to monitor patient (26%), and patient falls (13%)." Reference: The Doctors Company

"Nurses who work in higher-risk specialties, such as labor and delivery and intensive care, are more likely to be named in a malpractice lawsuit." Reference: The Doctors Company


Who Needs Medical Malpractice Insurance?

Nursing Malpractice Insurance is crucial for:

  • Registered Nurses (RNs): Given their direct patient care responsibilities, RNs are at significant risk for malpractice claims.
  • Licensed Practical Nurses (LPNs) and Licensed Vocational Nurses (LVNs): Their roles in patient care also expose them to potential legal issues.
  • Nurse Practitioners (NPs): NPs have an expanded scope of practice, increasing their exposure to malpractice claims.
  • Specialty Nurses: Those in specialized fields like surgery, pediatrics, or psychiatry often face unique risks requiring specific coverage.
  • Personal Trainers
  • Physician Assistants
  • Nursing Students
  • Physical Therapists

Essentially, any nurse engaged in patient care should consider this insurance to mitigate the risks associated with their professional duties.

What It Covers

Nursing Malpractice Insurance typically covers:

  • Legal fees and court costs for defending against a malpractice claim.
  • Settlements or judgment amounts if found liable.
  • Coverage for incidents like privacy breaches or unintentional harm to patients.
  • Costs related to license defense if professional practice standards are questioned.

This insurance ensures that nurses are not financially overwhelmed in the face of legal challenges, protecting their personal and professional interests.

How Much It Costs on Average

The cost of Nursing Malpractice Insurance varies based on several factors:

  • Experience and Qualifications: More experienced nurses or those with advanced qualifications might see different premiums.
  • Scope of Practice: Nurses in high-risk specialties often face higher insurance costs.
  • Geographical Location: Costs can vary by state due to differences in legal climates and claim histories.
  • Coverage Limits: Higher coverage limits can increase the premium.


Coverage FeatureDescriptionAverage Cost
Basic Coverage PlanAdequate for nurses with lower risk exposure.$100 - $300/year
Comprehensive Coverage PlanExpanded coverage for higher-risk roles and responsibilities.$300 - $1,000/year
Add-Ons and EndorsementsAdditional protections for specific scenarios.Varies based on selection


Note: The above costs are averages and may vary based on individual circumstances.

Why Choose e360insurance?

e360insurance stands out as a preferred provider of Nursing Malpractice Insurance for several reasons:

  • Tailored Policies: We offer customized insurance solutions that meet the unique needs of each nursing professional.
  • Competitive Pricing: Our policies are competitively priced, ensuring affordable yet comprehensive coverage.
  • Expert Support: Our team of insurance specialists is knowledgeable about the nursing profession and can guide you in selecting the right coverage.
  • Proven Track Record: With a history of serving healthcare professionals, e360insurance is a trusted partner in protecting nurses’ careers.

Choosing e360insurance means opting for reliability, affordability, and a deep understanding of the nursing profession's insurance needs.


For more information or to get a quote for Nursing Malpractice Insurance, fill out the form here or contact us through the following channels:

Our team is ready to assist you in securing the right malpractice insurance coverage, providing peace of mind and professional protection.


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