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About Nurses and Related Insurance Protection


Nurse Practitioners’ Insurance

A nurse practitioner is a nurse with a masters' or doctors' degree that has nursing board certification in the state of employment (i.e. NY, NJ, PA…). State guidelines may vary in regard to which services a nurse practitioner may provide. This includes:

  • Whether or not they operate independently or in conjunction with a practicing physician
  • Whether or not they can prescribe medication

Insurance coverage reflects the individual state’s regulations.

Nurses’ Professional Liability

The Nurse professional liability policy can be acquired by an individual nurse or by a professional society on behalf of a nurse employee. Coverage varies as per nurse specialty. The insurance covers the nurse against wrongdoing against:

  • Malpractice charges
  • Errors or oversight charges while in the line of duty as a nurse


Nurse-Midwives’ Professional Liability Insurance

Typically, a nurse-midwife professional liability policy is obtainable via a group plan that is funded by the associated professional association. The policy can be bought on behalf of a nurse-midwife or independently by the nurse. This type of policy covers lawsuits against the insured against:

  • Malpractice
  • Errors performed in the capacity of a nurse-midwife

For more information about nurse related insurance coverage, speak to a reputable independent insurance agent.

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Summary: Like the physician, a nurse, nurse practitioner or nurse-midwife can be sued for professional misconduct. Related insurance coverage protects against the risk exposure.


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