Liability Insurance for Nurses
As a nurse, you’re on the front lines of patient care every day. The work is fast-paced, demanding, and deeply meaningful. But even when you do everything right, there’s still a chance of facing a malpractice lawsuit, patient claim, or licensing board complaint.
That’s where nurse liability insurance comes in. It helps protect you if you’re accused of negligence, an error, or a failure to act. Coverage includes legal defense costs and, if needed, settlements or judgments, so one claim doesn’t derail your career or your finances.
Many nurses assume their employer’s insurance is enough. In reality, those policies are written to protect the facility first, not you. Having your own individual policy ensures your interests are front and center. With Proliability, you get affordable coverage designed specifically for nurses, with premiums starting at just $106 for employed RNs.* Association members may also qualify for additional discounts, such as:
- Attend an approved loss prevention/risk management seminar
- Hold a certification from AANPCB, ANCC, AACN Certification Corporation, or other recognized bodies
- Work at a Magnet-designated hospital
- Work in a unit that has received the Beacon Award for Excellence
Read more about our risk management services and coverage details*.
Find more details about the Indiana Patient Compensation Fund here.
Protection When You Need It Most
Also called professional liability or malpractice insurance, this coverage steps in when a patient or family member files a claim against you. It helps protect both your finances and your license. Proliability policies typically include:
- Legal defense costs: An attorney dedicated to representing you, with defense costs paid in addition to your liability limits.
- Settlements or judgments: Payment for damages up to your policy limits.
- Licensing board complaints: Attorney fees covered if you need to defend your license.
- HIPAA violations: Support for fines or penalties related to alleged privacy breaches.
- Portable coverage: Protection that follows you from job to job, even if you change employers, roles, or states.
The goal is simple: you don’t face the financial or emotional burden of a claim alone.
How to Get Covered
Getting coverage through Proliability is quick and straightforward. Whether you are a student nurse, an RN, an LPN, or a travel nurse, our process is designed to be simple and stress-free:
- Get a Quote: Answer a few quick questions about your role, hours, and practice setting to see your personalized rate.
- Apply Online: Complete a short application. Most nurses qualify for instant approval without additional paperwork.
- Receive Confirmation: Once approved, you’ll receive your professional liability insurance certificate.
No long wait times, no complicated process, just reliable protection tailored to the way you work.
Risk Management Services
Risk management and professional liability insurance go hand in hand. At Proliability, we recognize the importance of providing comprehensive risk management resources to our policyholders.
We have partnered with OmniSure Consulting Group, a risk management leader, to provide a host of risk management resources. Our active policyholders receive:
- RiskFit® — a series of risk management content that allows you to test your knowledge on topics including self-assessment tools, sample policies and procedures, checklists, videos, podcasts and articles.
- Monthly Risk Reduction Tip — A monthly email sent to policyholders with quick tips and reminders on risk management topics. This email will usually contain a video or brief educational article that is quick to read and keeps you in the know and updated on important risk topics.
- Advice-on-Demand — access to a toll-free phone and email helpline designed to answer risk related questions with a 30-minute consultation with a Risk Consultant.
For more information visit our Risk Fitness® site.
Why Nurses Need Malpractice Insurance
Every nurse, whether you’re in a hospital, school, clinic, or traveling assignment, can be named in a malpractice claim. Claims may arise from medication errors, documentation issues, patient falls, or even simple misunderstandings. Employer coverage often doesn’t go far enough. Your own policy means you’re not left vulnerable. It’s about more than protecting your paycheck — it’s about safeguarding your license, your reputation, and your peace of mind.
Employer Coverage vs. Individual Coverage Comparison
Many nurses are surprised by how limited their employer’s coverage is. Here’s a quick comparison:
| Coverage Feature | Typical Employer Policy | Proliability Individual Policy |
|---|---|---|
| Legal defense attorney | Shared or employer-selected | Your own dedicated attorney |
| Covers board complaints | Rarely | Yes, up to $100,000 |
| Follows you job-to-job | No | Yes, fully portable |
| Covers moonlight and PRN | Often excluded | Yes, fully portable |
| HIPAA fines & penalties | Often not included | Up to $50,000 |
| Defense costs erode limits | Often yes | Paid in addition to limits |
Contact Us
Program Administrator
Proliability
4050 114th Street
Urbandale, IA 50322
Phone
Hours
7:30 a.m. to 5:00 p.m. CT, M-F
General Questions
Service on an existing policy
Coverage Details
Limits — up to $1/6M
The main feature of the policy that covers you up to the limits on your declarations page that you become legally obligated to pay as a result of a professional liability claim arising out of a covered incident. Limits vary by profession up to $1 million per occurrence/$6 million aggregate. When you complete a quote, the available limits based on your profession and state will be provided.
Legal Representation — Legal fees paid in addition to the liability limits
The policy includes legal representation for covered incidents. This means you have an attorney assigned to you to represent your interests – not the interests of others such as your employer. The legal fees and expenses are in addition to your professional liability policy limits, which is a key benefit to you as this means legal fees and expenses do not erode your liability limits.
HIPAA Coverage — $50,000
Pays up to $50,000 for HIPAA fines, penalties and notification costs.
Licensing Board Reimbursement — $25,000 per incident/$100,000 per policy period
Covers up to $25,000 per incident/$100,000 per policy period for attorney fees or other expenses or fees from an investigation or proceedings from an entity responsible for regulating your profession. In most regulated professions, anyone can file a complaint against you such as your patient, patient’s family, your employer or coworker. If you’re employed, your employer may not reimburse you for investigations or proceedings.
Deposition Expense — $15,000 per policy period
Covers up to $15,000 aggregate for all reasonable fees, costs and expenses to represent you at a deposition which you are required to attend.
Wage Loss and Expense — $2,500 per day/$35,000 policy period
Covers for lost wages, costs and expenses for your required attendance at a trial, hearing or arbitration proceeding as a defendant in a covered claim.
First Aid Reimbursement — $25,000 per policy period*
Covers up to $25,000 per policy for all medical related expenses for rendering first aid to others due to bodily injury.
* Coverage amounts may vary by business type
Medical Payments — $25,000 per person/$100,000 all persons
Covers up to $25,000 per person, up to $100,000 all persons for medical expenses incurred by others due to a bodily injury caused by an occurrence during the policy period.
Damage to Property of Others — $10,000
Covers up to $10,000 for damage to property of others caused by you during the policy period.
First Party Assault Coverage — $25,000 policy period
Covers up to $25,000 per policy period for medical expenses or repair or replacement of personal property due to an assault at your workplace premises. Includes coverage for workplace violence events.
Media Expense Coverage - $2,500 per incident/ $10,000 per policy period
Up to $2,500 per incident/ $10,000 per policy period (Individual) or $5,000 per incident/$25,000 per policy period (Group Practice) for expenses incurred for claims involving published material on a website or social media.
Occurrence Policy Form
Covers incidents that happen during your policy period regardless of when the claims are reported. All of the allied health and nursing policies through Liberty Insurance Underwriters are on occurrence policy forms.
Sexual Abuse/Molestation Coverage - $25,000 sub-limit
Provides up to $25,000 for indemnity.
Portable Coverage — Follows You 24/7
When you apply for individual coverage, the policy covers you for your professional services, including on and off the job, moonlighting and volunteering.
Optional Coverage Features
- Consulting and Educational Services Endorsement
- General Liability Insurance
- Additional Insured Endorsement
Coming Soon
- Supervising Professional Endorsement
- Medical Director Endorsement
Association Partners
Professional liability insurance policy is underwritten by Liberty Insurance Underwriters Inc., 175 Berkeley St., Boston, MA 02116.
*This is only a summary of insurance policy provisions offered in the program. Certain coverage benefits described herein may not be available in your state at the time of policy issuance, or may be available, but with differing terms and conditions. If any conflict exists between the benefits described herein and those contained in any actual policy issued, the terms and conditions of the issued policy prevail. Coverage is only bound upon underwriting acceptance. Applying and paying for coverage is not a guarantee of acceptance into the program.
Protect Your Career Today
Whether you’re applying for the first time or renewing your coverage, Proliability makes it easy to stay protected. Our nurse liability insurance is tailored to your role and practice setting, so you can focus on what matters most — caring for your patients with confidence.
New to Proliability? Get a quick quote today and see how affordable protection can be.
