Why It’s Best for Nurses to Have Their Own Medical Malpractice Insurance


Medical malpractice insurance is a type of professional liability insurance that covers a medical professional for errors in medical services that result in a patient injury of the patient’s death. For nurses, this specialized type of insurance exists to help protect nurses from legal claims of mistakes made while acting as a nurse. There are two types of policies that exist for nurses: claims-made policies and occurrence-type policies. 

Claims-made policies cover most incidents that occur and are reported during the policy period. Occurrence-type policies cover incidents will cover a claim as long as it occurred during the policy period, regardless of when the claim is actually filed. If you have questions about the different types of nurse malpractice insurance, then it is important to speak to an experienced nursing license defense attorney as soon as possible.


Medical malpractice insurance coverage for nurses is relatively low. Most nurses are generally able to have up to $1,000,000 in liability coverage for as little as $100 per year. Each nurse is independently assessed to determine the cost of their insurance premium, so it is vital to find out how much your coverage will cost you. If you have nursing malpractice insurance coverage, then you can guard against the most common reasons why claims of nursing negligence are made, which include:

  • A nurse’s failure to follow accepted standards of care
  • A nurse’s failure to properly use medical equipment
  • A nurse’s failure to assess and monitor a patient
  • A nurse’s failure to properly document information relating to a patient’s health
  • A nurse’s failure to act in the best interests of the patient

If you have the appropriate level of coverage, then you may be able to avoid having to pay significant costs if you are found responsible. Some nurses fear that having medical malpractice insurance puts a target on their back for people looking for a payday. It is important to know that the information about whether you have nurse medical malpractice insurance coverage is private. Also, if you have medical malpractice insurance, it will not make you look guilty or like a bad medical professional. Having the appropriate medical malpractice insurance is actually the professional common-sense approach to being a practicing nurse. If you have legal questions, then give us a call so we can help!


The S.J. Harris Law Office is proud to offer FREE 30-minute consultations to all prospective clients. We realize that licensed nurses who have legal questions require representation that values discretion and privacy. Anything discussed during a consultation will be protected by the attorney-client privilege even if you don’t hire us to represent you further. At S.J. Harris Law, we focus on preserving three things; your license, reputation, and future. Let our experience go to work for you today. Call us at (310) 361-8585 or contact us online for a free consultation.

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This blog is meant to be informational. It is not meant to be all-encompassing legal advice. If you are facing a situation involving your professional license, seek counsel from a licensed attorney.

Author : Scott J Harris