800-800-0442

Nursing Insurance

As a nurse, your proximity to patients means you're legally responsible for what happens in your presence. Unfortunately, even when you're doing your best, dissatisfied patients may hold you liable for problems outside of your ability to control.

Nursing insurance provides coverage for claims that go beyond what your school or employer provides (including incidents they don't cover or that exceed their policy limits), allowing you to have a sense of security and perform your job with the confidence that comes from being protected. Common uses for this coverage include:

  • Defendant expenses
  • HIPAA fines or penalties
  • License protection
  • Lost wages
  • Reimbursing patients for losses they may sustain while in your care

It is important to keep in mind that your workplace's insurance will not protect you from every problem that can occur. For example, if a complaint is filed with your local board of nursing and you need to fight it, you may be on your own unless you have individual insurance that can reimburse you for your expenses.

Nursing Malpractice Insurance

Accusations of malpractice have been on the rise, particularly as nurses are required to take on more responsibility. That's all the more reason to get an individual insurance plan as soon as you can, because the coverage provided by your practice or hospital may not be enough to pay for a malpractice suit.

The best way to obtain coverage against malpractice suits is to talk with a Independent Group Agency agent about what you do in your workplace and what kind of risks or exposures you may face. Different offices ask nurses to do different tasks, and you don't need to pay for coverage on anything that's not your responsibility.

You may need insurance of this type even if you are not a nurse, but are performing any of the tasks normally associated with nursing. This includes volunteering to help care for others, with or without a license. If you're unsure whether or not you need nursing insurance in your current situation, talk to one of our agents and find out for sure.

 

1. "Patient Assessment: Roles of RNs and LVNs." National Nurses Organizing Committee. Accessed April 11, 2016. http://www.nationalnursesunited.org/page/-/files/pdf/nursing-practice/advo-alerts/rn-lvn-role-assessment.pdf.

2. "Malpractice Suits Against Nurses on the Rise." Announcements & Articles - The Law Office of Deborah L. Phillips. Accessed April 11, 2016. http://www.dprnesq.com/pages/news/malpractice-suits-against-nurses-on-the-rise.

Independent Group Agency

21700 Oxnard St, Suite 1045 

Woodland Hills, CA 91367

Main office: 818-290-8302
Toll free: 800-800-0442
Fax: 818-905-9385

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Our Providers

Testimonials

Fred is my agent, he worked with me to get me the cheapest insurance price, about $50 per month cheaper than other providers. Very attentive and responsive to all inquiries.
Andrea C.
My representative is Fred Dabiri who is fantastic. Not only is he timely with responses, but his services are immaculate. He always takes the time to response to any questions I have and update my account as needed. Independent Group Agency has constantly found ways for me to save money - and have always provided DISCOUNTS. After having insurance for only 6 months, I received a letter telling me they lowered my insurance $450 dollars for the following 6 months - for me that equated to dropping my payment $75.00 per month! Additionally, this agency provides DISCOUNTS for automatic cash withdrawals, college degree advantages, and most importantly: I feel they have truly looked out for my benefit since I signed up. HIGHLY RECOMMEND Independent Group Agency! And if you get Fred as a representative, you are golden! :)
Kat M.