Nurse Malpractice Insurance

Nurse Malpractice Insurance

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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Professional Liability Protection 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 depend on your medical expertise 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.  Zensurance has helped over 100,000 professionals and businesses with insurance policies that are right for them.

Nurse professional 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.

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.

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.

Getting insured is quick and easy!

Complete our 5-minute online application for a free nurse malpractice insurance quote.

Common claims scenarios

nurse helping with surgery

Problem: You’re in charge of administering and monitoring an anesthetic to a patient during routine surgery. Unfortunately, during the surgery, the patient becomes temporarily conscious and panics before you’re able to increase the anesthesia.

Outcome: The patient successfully sues you for medical negligence. Your nurse malpractice policy could cover the legal expenses and medical fees.

Problem: Your patient’s chest x-ray appears to show a small tumor, so you recommend a biopsy. A few weeks later, after a biopsy, you realize the chest x-ray was matched with the wrong patient information, and your patient’s x-ray shows there were no issues. Your patient sues you for malpractice.

Outcome: You’re successfully sued for malpractice. Your professional liability policy could cover the medical expenses for the unnecessary biopsy and any legal fees.

nurse holding prescription medication

Problem: You’ve prescribed medication to your patient to treat an infection. Unfortunately, you overlook an ingredient that your patient is allergic to. Your patient has a severe allergic reaction and sues you for negligence.

Outcome: Your nurse liability policy could cover any medical expenses and legal fees.

Frequently asked questions

Do I need an occurrence-based or claims-based nurse malpractice policy?

Zensurance offers claims-based policies that will consider and keep your retroactive date that you maintained with your nursing association or any other policy.

Does my nurse malpractice insurance policy cover me if I’m charged with a criminal offence?

No. A medical malpractice insurance policy does not include coverage for legal expenses if you are charged with a criminal offence.

I am a nurse and I offer some services outside of the scope of nursing, such as microblading. Do I need malpractice insurance?

Yes. If you are providing beauty-related services outside of the nursing profession, you should still purchase a malpractice insurance policy to protect yourself from claims or legal actions resulting from the services you offer.

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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.