Clinical Nurse Leader Professional Liability Insurance

Clinical nurse leaders carry advanced clinical and administrative responsibility—often guiding care plans, overseeing teams, and making high-impact decisions. Protect your career with professional liability insurance designed for clinical nurse specialists in leadership roles. Get a quote in minutes for trusted coverage backed by over 100 years of experience.

  • 24/7 coverage protects you wherever you practice
  • Instant quote and same-day coverage
  • Knowledgeable, in-house client service team
  • Competitive pricing for individuals and groups

Malpractice Insurance for Clinical Nurse Specialist Administrators

With prescriptive authority, your decisions directly impact diagnostic plans, treatment protocols, and patient safety. The added responsibility increases the likelihood of legal exposure, especially in high-acuity or autonomous roles. CM&F offers reliable liability insurance that helps protect your license, your income, and your ability to practice confidently. Get a quote in minutes and stay focused on delivering expert care.

Coverage for Individual CNS Leaders

Even with employer-provided insurance, you may not be fully protected — particularly if you are personally named in a malpractice claim. CM&F Group’s individual liability policies offer 24/7 coverage wherever you’re licensed to practice, including hospitals, academic institutions, outpatient centers, and leadership or consultancy roles.

Our policies are designed to move with your career. As long as your services fall within your legal scope and state licensure, CM&F ensures seamless protection.

Group Coverage for CNS Teams or Practices

If you supervise, manage, or work alongside a team of clinical nurse specialists, a group liability policy is a smart way to ensure everyone is protected. CM&F Group’s business liability coverage is designed to safeguard your entity, your listed staff, and your approved practice locations.

You’ll receive robust protection for legally authorized services delivered within licensure scopes, with optional general liability coverage available for claims involving patient injury or property damage.

Get a group liability insurance quote today and support your team with group coverage built for clinical nurse specialists.

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Policy Details

CM&F partners with only the highest rated insurance carriers to provide flexible, dependable coverage for clinical nurse specialists with administrative privileges. Each policy includes features built to support clinical nurse leaders across diverse healthcare environments.

Professional Liability Coverage Limits

  • Up to $2 million per claim for amounts you become legally obligated to pay due to a professional liability claim arising from a covered incident.
  • Up to $4 million aggregate for all covered claims within the policy period.

24/7 Portable Coverage

Your policy covers you anytime, anywhere you provide services outlined within your scope of practice according to relevant state laws, as outlined within your policy agreement. This includes full-time, part-time, telehealth, locum tenens, PRN, per diem or moonlighting assignments, and volunteer work.

Full Consent to Settle

You have the final say when it comes to settling a suit. We will not settle without your consent, and you have the right to take a claim to court.

Telemedicine / Telehealth Coverage

All CM&F policies include telemedicine malpractice coverage for all services within your scope of practice according to state laws. Learn more about telemedicine malpractice insurance

Good Samaritan Acts Coverage

Good Samaritan Acts coverage protects you up to the limits of your policy if anything goes wrong while providing emergency care to a non-patient.

Assault Upon You

Your policy will include coverage for expenses occurring from a bodily injury or damage to your personal property resulting from an assault while traveling to and from your place of employment.

First Aid Expenses

CM&F professional liability policies cover up to $25,000 for expenses incurred while rendering first aid to another individual.

Medical Payments

Your CM&F policy includes coverage up to $25,000 per claim / $100,000 aggregate for medical expenses incurred by others as a result of a covered incident.

Deposition Fees Coverage

Even if you are not named in a lawsuit, there may be scenarios where you are required to attend a deposition. Your policy covers expenses you may incur, including [travel expenses, meals, and lost wages] up to $25,000.

License Defense/Administrative Hearing Expense Coverage

Defense Attorney Provided

When needed, a defense attorney will be provided to represent you in court. Win or lose, legal fees in connection with a covered claim are covered without impacting your liability coverage limits.

Sexual Misconduct Defense

Your policy will cover up to $25,000 per policy period for amounts related to the defense of covered claims involving sexual misconduct.

HIPAA Defense Coverage

Information privacy coverage reimburses you up to $35,000 for costs related to claims alleging HIPAA violations, including relevant HIPAA fines.*

Loss of Earnings

Your policy will cover up to $2,500 per day / $35,000 aggregate for loss of earnings arising from a covered incident.

Biomedical Waste Hearing Expense

CM&F professional liability policies cover up to $10,000 for expenses arising out of biomedical waste hearings for covered incidents.

Personal Property of Others

Your policy will cover up to $1,000 aggregate for damages to personal property belonging to others, but for which you are responsible.

Additional Insured Endorsement at No Added Cost

With CM&F, there are no fees to add additional insureds to your policy. Additional Insured parties receive a shared limit with the First Named Insured for vicarious liability.

Workplace Liability Coverage

All professional liability insurance plans from CM&F include workplace liability insurance to provide coverage for claims of bodily injury or property damage brought by your patients.

*Please note that insurance can be complex, so please refer to your policy's terms and conditions for more specific language related to your situation.

There’s No Comparison To CM&F

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Have Questions?

Have questions about CM&F professional liability insurance policies? Call or email using the details below, or click the Chat icon in the bottom right corner of your screen. For more commonly asked questions, refer to our FAQ page.

Frequently Asked Questions

What is the difference between "per occurrence" vs. "aggregate" liability limits?

Your “per occurrence,” sometimes written as “per claim,” limit refers to the total amount the insurance company will pay per incident during the policy term. Your “aggregate” limit is the total amount the insurance company will pay for multiple claims over the course of one policy term (which is often one year).

Do I need occurrence or claims made coverage?

“Occurrence” or “claims made” refers to the type of policy coverage you’d be purchasing. This affects when you are able to report a claim on your policy.

What is a claims made policy?
You are only able to report a claim on a claims made policy while the policy is active. For instance, if you let your policy expire, and then six months later a former patient brings a lawsuit against you for an incident which occurred during the policy period, a claims made policy would no longer cover that claim (unless you purchased an Extended Reporting Endorsement, or “Tail Coverage”).

What is an occurrence policy?
An occurrence policy covers you indefinitely for incidents that occur within the policy period, meaning you are covered for the time period during which you had the policy even if it is no longer active. It is essentially the same as a claims made policy with a built-in Tail.

For our Allied Health clients:
All CM&F insurance products include occurrence coverage, and so you never have to worry about purchasing tail coverage!

How do I transfer my existing liability policy under another company to CM&F so that there is no gap in time of coverage?

If you have an occurrence policy, you can simply purchase the CM&F professional liability insurance policy when the policy with your current insurance provider expires. When using our online application, you are able to select your coverage date at least 30 days in advance, so you don’t have to worry about coming back to apply on the exact day.

If your current policy is a claims-made policy, it is best to discuss the transition options with a CM&F service professional. We will help to ensure there are no gaps in your liability insurance coverage.

Can I add additional insured?

You may add additional insured to your policy at anytime. This can be done during the application process, as well as throughout the lifetime of the policy.

CM&F Means Peace of Mind

CM&F Group was founded over a century ago. Through up and down markets, CM&F’s dedication to healthcare professionals has never wavered.
CM&F remains committed to making it easy and cost-effective to secure vital professional insurance coverage.

  • Future-Proof Care
  • Time-Tested Trust
  • We Keep It Simple
  • We’re Your Ally