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Nursing Insurance

As a nurse, your proximity to patients means you're legally responsible for what happens in your presence. Unfortunately, even when you're doing your best, dissatisfied patients may hold you liable for problems outside of your ability to control.

Nursing insurance provides coverage for claims that go beyond what your school or employer provides (including incidents they don't cover or that exceed their policy limits), allowing you to have a sense of security and perform your job with the confidence that comes from being protected. Common uses for this coverage include:

  • Defendant expenses
  • HIPAA fines or penalties
  • License protection
  • Lost wages
  • Reimbursing patients for losses they may sustain while in your care

It is important to keep in mind that your workplace's insurance will not protect you from every problem that can occur. For example, if a complaint is filed with your local board of nursing and you need to fight it, you may be on your own unless you have individual insurance that can reimburse you for your expenses.

Nursing Malpractice Insurance

Accusations of malpractice have been on the rise, particularly as nurses are required to take on more responsibility. That's all the more reason to get an individual insurance plan as soon as you can, because the coverage provided by your practice or hospital may not be enough to pay for a malpractice suit.

The best way to obtain coverage against malpractice suits is to talk with a insureCAL Insurance Agency agent about what you do in your workplace and what kind of risks or exposures you may face. Different offices ask nurses to do different tasks, and you don't need to pay for coverage on anything that's not your responsibility.

You may need insurance of this type even if you are not a nurse, but are performing any of the tasks normally associated with nursing. This includes volunteering to help care for others, with or without a license. If you're unsure whether or not you need nursing insurance in your current situation, talk to one of our agents and find out for sure.

 

1. "Patient Assessment: Roles of RNs and LVNs." National Nurses Organizing Committee. Accessed April 11, 2016. http://www.nationalnursesunited.org/page/-/files/pdf/nursing-practice/advo-alerts/rn-lvn-role-assessment.pdf.

2. "Malpractice Suits Against Nurses on the Rise." Announcements & Articles - The Law Office of Deborah L. Phillips. Accessed April 11, 2016. http://www.dprnesq.com/pages/news/malpractice-suits-against-nurses-on-the-rise.

Our Location

insureCAL Insurance Agency

1065 Colorado Ave Suite 5
Turlock, CA 95380
Main office: 209-250-0269
Fax: 209-633-5799

Our Providers

Testimonials

"Thanks for the great service you provide your customers!"

Penny L.
"Brandi was very helpful during my Workers' Comp audit saving me over $10,000. She was also more than willing to help me on my past claim for my farm machinery."

Villarreral Ag Services
"Thank you so much for all your help! I always rave about how easy and efficient it is to do everything with you."

Matt B.
"The best service and rates in town. They've covered my home, auto and my small business and it couldn't have been a smoother process. You're the best insureCAL!!"

Greg P.
"Great response time and knowledge. The cost for coverage far surpasses other insurance carriers I have had in the past. Definitely the most efficient agent I've ever dealt with as well. Very positive experience!"

Haley M.
"They are responsive and prompt. I was able to get a quote for my auto and renters at the same time, and saved with Colbie McRae when I bundled The two together. Colbie got me a quote for my motorcycle insurance, and was courteous enough to let me know that I may be able to find a better price if I were to shop around. Very honest place of business, I recommend everyone to call insureCAL."

Odis D.
"Hands down easiest insurance agency to work with. We had the best customer service experience from beginning to end. I'm so happy with our coverage and would refer insureCAL to all our family and friends."

Nicole P.