How Much is Proliability Insurance for Nurses?

How Much is Proliability Insurance for Nurses?

May 13, 2025

Nurses play a crucial role in healthcare. These professionals have diverse, crucial responsibilities. They promote health and well-being among diverse populations, offer compassionate care, advocate for patients, and are key in the efficient operation of medical facilities.

However, the complex nature of healthcare exposes nurses to various professional risks. Even an isolated, single misunderstanding, documentation error, or patient complaint can lead to a costly lawsuit or disciplinary action. That’s why having professional liability insurance for nurses is essential. It can protect your license and career and offer peace of mind—so you can focus on caring for others.

Why Nurses Need Professional Liability Insurance

Many nurses may rely on employer-provided malpractice insurance. However, these policies often have limitations that may not offer comprehensive protection or fully protect your individual interests.  Your employer’s malpractice insurance is designed to shield the facility—not necessarily the nurse. This means you could be left vulnerable in certain situations, such as incidents that occur off the clock, volunteer work, or during a licensing board investigation.

Proliability professional liability insurance is specifically designed for nurses, providing robust, personalized coverage. It can be crucial for covering potential legal fees, settlements, and other costs arising from malpractice claims or disciplinary actions. Proliability coverage is tailored to meet your needs, safeguarding your career and financial stability. It’s an affordable way to protect yourself financially and legally throughout your career.

How Affordable is Proliability Insurance for Nurses?

Proliability policies are competitively priced based on factors like your nursing specialty, location, and employment status (e.g., full-time, part-time, or student). While exact costs vary, many nurses find that policies start as low as $101 per year—a small price for such extensive protection.

The sooner you sign up, the sooner you’ll be protected. Get a quote in minutes now.

What’s included in Proliability’s comprehensive coverage? A lot more than you might expect:

Key Coverage Features:

• Up to $1 Million Per Claim / $6 Million Annual Aggregate
  High coverage limits offer serious financial protection for claims, settlements, and judgments.
• Legal Representation Included
  Proliability pays for your attorney in addition to the policy limits. You’ll have an experienced advocate by your side.
• HIPAA Violation Protection
  Covers up to $25,000 in fines, penalties, and notification costs due to HIPAA breaches.
• Occurrence-Based Coverage
  You’re protected for incidents that occur during the policy period, even if the claim is filed years later.
• Licensing Board Defense
  Up to $10,000 per incident (and $25,000 per policy period) to help defend your license in board investigations.
• Deposition Coverage
  If you’re called to testify in a case involving your care, you’ll have up to $10,000 to cover related expenses.
• Lost Wage and Expense Reimbursement
  Receive $500 per day (up to $10,000 per incident) if you must miss work to attend court proceedings.
• First Aid Coverage
  Reimburses up to $10,000 for costs you incur while providing first aid in an emergency.
• Medical Payments
  Up to $5,000 per person for injury-related medical bills that arise on the job.
• Property Damage Coverage
  Covers up to $10,000 for accidental damage to someone else’s property while working.
• Assault Protection
  If you’re assaulted at work, Proliability offers up to $10,000 to help with medical expenses or property replacement.
• Sexual Misconduct Liability
  A $25,000 sub-limit is included in the event of a related claim.
• 24/7 Portable Coverage
  Your policy follows you on and off the job—including moonlighting, volunteering, or freelance nursing services.
• Optional Add-Ons Available
  Need consulting or general liability coverage? Those can be added to suit your practice.

Risk Management Tools for Peace of Mind

Proliability also offers nurses access to a suite of risk management tools through its RiskFit® program. This includes self-assessment tools, policy templates, articles, podcasts, and even one-on-one advice from legal and nursing professionals. You’ll also receive monthly risk-reduction tips to help you stay one step ahead of potential problems.

Why Choose Proliability?

Proliability is a leader in professional liability insurance. That means your policy is built on decades of experience, trusted customer service, and a deep understanding of the healthcare industry. With Proliability, you’re not just buying insurance—you’re gaining a partner that supports your professional growth and safeguards your future.

Proliability insurance is an affordable - and important - part of your nursing toolkit. With comprehensive, customizable coverage, it’s one of the smartest investments you can make in your career. Whether you're a new graduate or a seasoned RN, this coverage is designed to meet the real-world needs of nurses today.