Professional Liability Protection for Nurses

If you are a Registered Nurse or another related nursing practitioner, professional liability insurance is necessary to protect you from injury claims by patients due to alleged negligence or accidental circumstances.

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Liability insurance for nurses

As a registered nurse or a nurse practitioner, you’ve spent your career looking after others – a highly commendable and vital role that helps keep Canadians healthy. 

You know your patients genuinely depend on your medical expertise, attention to detail, and communication with other medical professionals to ensure their health concerns are correctly treated. However, even with the most diligent care and attention, medical accidents, errors, and accusations of malpractice can occur. 

As a nurse, you have unique risks to consider – we’re here to help. So far, Zensurance has helped over 100,000 entrepreneurs protect their businesses with insurance policies that are right for them.

What is nurse liability insurance?

Nurse liability insurance (also known as malpractice insurance) is a specific type of coverage that protects nurses, Registered Nurses, and other related practitioners against alleged negligence that leads to patient injuries.

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What does it cover?

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.

How much does it cost?

As there are many responsibilities that nurses may have, the insurance costs for nursing liability will vary depending on many factors.

 Below are the following factors that are typically taken into consideration when determining the cost of your premium:

  • Years of experience
  • Location
  • Past claims
  • Cosmetic procedures involvement
  • Individual or Group Clinic coverage

We’ll make sure you get a price that’s right for you. We’ve partnered with over fifty insurance providers to offer you a variety of options to suit your business needs at the best price.

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Ready to start? Let’s get a quote!

You’ve built your professional career around looking after people; you deserve a broker you can rely on to help you look after your business. 

Get started today by completing our 5-minute online application form for a free insurance quote.

If you need more information or you’d prefer to speak with a broker, our friendly support team is ready to answer questions – we’re just a click or a phone call away.

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