Nursing Malpractice Insurance

CM&F has provided nursing liability insurance since 1947!

What is Nursing Malpractice Insurance?

Nursing malpractice insurance is insurance coverage designed to cover the legal expenses, as well as protect personal assets, of nursing professionals in case of a malpractice claim. In the event of a malpractice claim, whether the accusation is true or not, nursing professionals could be expected to pay large amounts in legal or settlement fees. The best protection against a damaging lawsuit or high fees is professional malpractice insurance. As a nursing professional, your employer’s policy may prioritize their interests over yours. Individual professional liability insurance will protect your career as well as your personal assets.

What Risks Do I Face That Warrants Malpractice Insurance for Nursing Professionals?

Nursing professionals work with patients in a variety of ways. Many are responsible for working with or treating patients directly which means they are at risk of being named in a malpractice suit if something goes wrong. Nursing professionals often interact with patients more than any other medical professional in a hospital or office. With so much direct exposure to patients, nursing professionals need to be able to properly do their job without constant fear of potential litigation. Nursing professional liability insurance is the best way to protect, as well as ease the mind of nursing professionals.

Benefits of CM&F Nursing Malpractice Insurance Coverage

  • Coverage Options up to $2 Million per Claim
  • Full Consent to Settle Claims
  • License Defense Coverage
  • Sexual Misconduct Defense
  • General Liability Available
  • Defense Costs in Addition to Liability Limits
  • HIPAA Defense Coverage
  • Telemedicine Coverage
  • 24/7 Portable Coverage That Covers You Everywhere You Go, Even in Volunteer or Contractor Assignments

Will My Malpractice Insurance Cover Telemedicine?

CM&F’s professional liability insurance for nurses includes telemedicine malpractice coverage, so long as you are providing services within your scope of practice according to the relevant laws.

With telemedicine becoming more and more prevalent, understood, and in-demand from patients, CM&F recognizes the importance of telemedicine malpractice coverage. There is no need to add-on additional coverage or be charged more for the coverage. If you have a nursing liability insurance policy with CM&F Group, you will be covered 24/7 no matter the employer or method of patient care delivery – virtual and/or in-person. If you have any questions, or would like further clarification, please consult your policy details or reach out to us.

Want to know more about professional liability insurance? Visit our frequently asked questions or contact us.

Telemedicine Provider treating patient - nurses should have telemedicine malpractice insurance for services

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Why Buy Nursing Liability Insurance Coverage from CM&F?

Thousands of professionals have trusted us with their career, and it’s easy to see why. CM&F only partners with insurance carriers who carry the highest A.M. Best ratings in the market today!

For more than 25 years, CM&F Group has been protecting healthcare professionals from potentially damaging lawsuits that arise from malpractice claims. We are dedicated to protecting the livelihood of nursing professionals across the US. Whether you’re a certified nursing assistant, clinical nurse or cosmetic nurse, the dedicated service professionals at CM&F will ensure that your career is protected by our industry-leading malpractice insurance. CM&F is a provider of nursing professional malpractice insurance that is affordable and tailored to cover your professional risk with coverage options as high as $2 million per claim.

We provide employer liability insurance for cosmetic nurse clinics, as well as other healthcare groups or clinics. So we know first hand that should a claim arise, unless the policy is YOUR OWN, your interests could be viewed as secondary to the employer, clinic or office who owns the policy.

Your policy with CM&F is portable, going wherever you go, even when you switch jobs, so you always know you’re covered. Select your profession from our directory or contact us for more information!

Find Out Why The Best Nurse Organizations And Hundreds of Your Peers Recommend CM&F Liability Insurance!

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What is the difference between malpractice insurance and professional liability insurance?

These terms are both interchangeable. Malpractice insurance is a liability insurance specifically designed to protect medical professionals.

Does having my own individual professional liability insurance policy make me a more likely target for a lawsuit?

Absolutely not. In fact your insurance status is not discovered until you have been named in a lawsuit. At that point you are ALWAYS better off having your own individual liability protection to defend you against any allegations.

Does my employer’s professional liability insurance cover me?

Most employers do provide some level of malpractice insurance for their employees. The only way to know for certain is to ask for a certificate of insurance every year to confirm that you are a "named insured." Millions of medical professionals purchase personal professional liability insurance, also known as medical malpractice insurance, protection in addition to what their employer provides. Coverage that is portable from job to job, protects your license, your personal assets and financial future is ALWAYS the best option. CM&F offers both individual liability insurance and group liability insurance.

I’m starting my own company. Do you have a policy that will cover my company for malpractice?

Absolutely. We have liability coverage for individuals, sole-proprietors, clinics, schools and groups. Get in touch with us to discuss your needs.

What limit of liability does CM&F recommend?

The liability limits depend on a number of factors and is a very personal decision. Though we offer policy limits up to $2,000,000 per claim, we typically recommend that liability protection of $1,000,000. With that said, we understand the many factors that impact this choice, including cost and state regulations. Call our team to discuss your options.

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