Rescue for Nurses

Insurance coverage for needlestick and sharps injuries, blood and bodily fluid exposure, and felonious assaults.

Who needs needlestick insurance?

The CDC estimates about 385,000 sharps-related injuries every year (according to the CDC’s Stop Sticks Campaign). Despite advanced protective equipment and best practices, the risk of blood-borne infection through needle, sharp or splash remains a very real threat to all nurses. Although we can’t prevent accidents like these from happening, we can give you control of the outcome.

By trying to provide nurses with a cost-effective, easy to understand, INDIVIDUAL benefit, we can help you get your life back on track.

You may have a similar benefit through your employer, but what if you have multiple employers or you do volunteer work? Are you covered everywhere you provide services? Rescue for Nurses takes the guesswork out and gives you back some confidence about your future.


Check out these helpful resources:

Information about Needlestick Injury causing Hep C Infections Get the Facts: Insurance May Not Cover Hep C Treatment
 
Workers Comp Coverage Information for Needlestick Injuries 3 Things Every Nurse Should Know About Workers Comp
 
CM&F Needlestick Insurance Coverage Brochure Rescue for Nurses Product Overview

In this video, ANA President Karen Daley, PhD, RN, FAAN talks about her personal experience with a sharps injury.

Insurance Designed With You In Mind!

What is covered under needlestick insurance?

Get CM&F Needlestick Insurance!

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Have questions about CM&F professional liability insurance policies?
What are the chances I will be injured on the job?

OSHA estimates that 5.6 million healthcare workers are at risk of occupational exposure to bloodborne pathogens. Approximately 385,000 sharps-related injuries are sustained by hospital-based healthcare workers each year; an average of 1,000 per day.

How costly are sharps injuries?

Treatment costs associated with needlestick injuries can range from $500 to $3,000. Antiviral treatment for Hep C may cost up to $95,000. Costs that are harder to quantify include the emotional cost associated with possible consequences of an exposure, costs associated with drug toxicities and lost time from work.

Is the benefit dependent on my income?

No. Unlike disability, workers compensation or some other insurance policies, which usually only pay you a portion of your salary, you receive the full $100,000 if you qualify under the policy.

Aren't I already covered by my employer?

You probably have SOME coverage through your employer, but most insurance will only cover a percentage of your salary, leaving you short of where you were prior to the injury. Our policy pays a flat benefit amount, regardless of your income.

This is a brief description of coverage provided under policy form series BI-10000P, Rider form Series BI-10005R and BI-10008R underwritten by Berkley Life and Health Insurance Company (domiciled in Iowa – California Certificate of Authority #08527) 2445 Kuser Road, Suite 201, Hamilton Square, NJ 08690 and is subject to the terms, conditions, limitations and exclusions of the policy. Please see the policy for complete details. Coverage terms, conditions, limitations and exclusions may vary or may not be available in all states.

The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to supplement comprehensive health insurance plans. This insurance is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential coverage as set forth under the Patient Protection and Affordable Care Act.

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