A Comprehensive Guide to Professional Liability Insurance for Nurses

Nurses are one of the most important groups of professionals in the healthcare industry. They provide critical care and support to patients, and they play a vital role in ensuring that hospitals and other healthcare facilities run smoothly. However, nurses also face a unique set of risks in their work, which is why professional liability insurance is so important. This guide will provide you with everything you need to know about professional liability insurance for nurses, including what it is, why you need it, and how to find the best policy for your needs.

professional liability insurance for nurses

What is Professional Liability Insurance?

As a nurse, you are responsible for the well-being of your patients. However, mistakes can happen, and if a patient is harmed as a result of your mistake, you could be sued for professional negligence. Professional liability insurance (PLI) can help protect you financially if you are sued for professional negligence.

PLI is sometimes called malpractice insurance. It is insurance that nurses can purchase to help cover the costs of legal defense and any damages that may be awarded if they are sued for professional negligence.

If you are thinking about purchasing PLI, it is important to understand what it covers and how it works. This guide will give you an overview of PLI and answer some common questions about it.

Who Needs Professional Liability Insurance?

If you are a nurse, you may be wondering if you need professional liability insurance. The answer is that it depends on a number of factors. If you work for a hospital or other medical facility, your employer may carry insurance that covers you for any liability claims that may arise from your job. However, if you are self-employed or work for a non-medical organization, you will need to purchase your own policy.

Professional liability insurance protects you from financial damages that may result from errors or omissions in your professional nursing practice. It can also provide coverage for legal expenses if you are sued. Even if you have never made a mistake on the job, you can still be sued for something as simple as providing substandard care. If you are found liable, the cost of defending yourself and paying any resulting damages can be ruinous without insurance.

While no one likes to think about the possibility of being sued, it is important to protect yourself financially in case it does happen. Professional liability insurance is an important part of that protection.

What Does Professional Liability Insurance Cover?

As a professional nurse, you are held to a high standard of care. If you make a mistake or provide sub-standard care, you could be sued for professional negligence. Professional liability insurance (also known as malpractice insurance) can help protect you financially if you are sued for professional negligence.

Most professional liability insurance policies will cover:

  • Court costs and legal fees associated with defending a lawsuit
  • Settlements or judgments ordered by the court against you

Some policies may also cover:

  • Claims related to sexual misconduct or abuse
  • Intentional acts that result in harm to patients

Of course, there are some things that professional liability insurance will not cover. These include:

  • Bodily injury or property damage caused intentionally by the policyholder
  • Claims arising from criminal acts committed by the policyholder
  • Claims arising from business activities that are not related to the policyholder's professional nursing practice

How Much Does Professional Liability Insurance Cost?

One of the most common questions we get from nurses is “How much does professional liability insurance cost?” The answer, unfortunately, is not a simple one. The cost of your premium will depend on a number of factors, including your state of residence, the type of nursing you practice, the length of your career, and the limits of coverage you choose.

That said, we can give you a few general guidelines to help you estimate the cost of your professional liability insurance. For most nurses, premiums will fall somewhere between $200 and $400 per year. If you have more than 10 years of experience or if you practice in a high-risk specialty like emergency room nursing, your premium may be closer to $500 per year.

Of course, the best way to get an accurate quote for your professional liability insurance is to contact a licensed agent or broker. They’ll be able to take all of your individual factors into account and give you a few different policy options to choose from.

How to Get Professional Liability Insurance

As a nurse, you are always working to protect your patients. But what about protecting yourself? Professional liability insurance is a type of insurance that can help you financially if you are ever accused of professional misconduct.

While your employer may have some coverage for you, it is important to have your own professional liability insurance policy. This way, you can be sure that you are fully protected in the event of a lawsuit.

So how do you get professional liability insurance? Here are a few tips:

  1. Shop around. There are many different insurers out there, so it’s important to shop around and find the one that best meets your needs.
  2. Consider an online broker. Online brokers can offer a variety of different policies from different insurers, making it easy to compare and find the best one for you.
  3. Get quotes from multiple insurers. Once you have a few insurers in mind, get quotes from each of them so that you can compare coverage and price.
  4. Read the fine print. Once you have found the right policy for you, be sure to read the fine print so that you understand exactly what is covered and what is not.


As a nurse, it is important to be aware of the potential risks you face in your profession and to have the appropriate insurance coverage in place. Professional liability insurance can help protect you financially if you are ever accused of negligence or malpractice. We hope this guide has provided you with some useful information about professional liability insurance and how it can benefit you as a nurse.