Nursing Malpractice Insurance

CM&F has provided malpractice insurance to nurses since 1947!

What is Nursing Malpractice Insurance?

Nursing malpractice insurance, also known as nursing liability insurance, is financial protection designed to cover judgements, settlements, along with legal expenses of nursing professionals in the case of a malpractice lawsuit. In the event of a malpractice claim, whether the accusation is true or not, nursing professionals could be expected to pay large amounts in judgement, settlement or legal fees. The best protection against a financially damaging lawsuit and high legal fees is medical malpractice insurance. As a nursing professional, your employer’s group liability policy may prioritize their interests over yours. Owning your own individual nursing insurance policy, IN YOUR OWN NAME, will protect you, your family and your career, as well as your hard-earned personal assets.

What Risks Do I Face That Warrants Nurse Malpractice Insurance?

Nursing professionals work with patients in a variety of ways. Many are responsible for working with or treating patients directly which means that they are at risk of being named in a malpractice suit if something should go wrong. Nursing professionals often interact with patients more than any other medical professional in a hospital or office – so, with that much direct exposure to patients, nurses need to be able to properly perform their duties without the constant fear of potential litigation. Nurse malpractice insurance is the best way to protect and defend, as well as provide peace of mind, for 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 Nursing Malpractice Insurance Cover Telemedicine?

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

With telemedicine becoming more popular, better understood and in-demand by patients, CM&F recognizes the importance of telemedicine malpractice insurance. When you purchase a nursing malpractice insurance policy from CM&F Group, you will be covered 24/7 no matter where you work or method of patient care delivery – virtual and/or in-person. There is no additional charge for this coverage. 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 for nurses? Visit our frequently asked questions or contact us.

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

CM&F

Why Buy Nursing Malpractice Insurance from CM&F?

Thousands of professionals have trusted us with their careers for over a century and it’s easy to understand why. CM&F only partners with insurance carriers who carry the highest A.M. Best ratings for financial stability.

For more than 70 years, CM&F Group has been protecting healthcare professionals from potentially damaging lawsuits that arise from malpractice claims. We are committed to protecting the livelihood of nursing professionals across the US. CM&F’s dedicated client service professionals will help you understand the best choices for your situation and ensure that your career is protected by our industry-leading nurse malpractice insurance. CM&F is a provider of malpractice insurance for nurses 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 to many healthcare groups or clinics, so we know first hand that should a claim arise, unless the policy is IN YOUR OWN NAME, your interests could be viewed as secondary to the employer, clinic or office who owns the policy.

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

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

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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