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Who Does NSO Cover?

No matter how experienced you are, malpractice lawsuits can happen to anyone! That’s why we cover a range of professions, at all stages of your nursing career.

Nurse | NP | CRNA | CNS | Student | Nursing School | & More!

As a nursing professional, you’re focused on providing lifesaving care to your patients, and you deserve coverage that focuses on you. NSO is a leading, trusted provider of nursing malpractice insurance that goes beyond the limitations of employer-provided coverage – just like a HPSO policy. With NSO, you are the focus of your policy. We’re here for you – so you can be there for your patients.

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Get started on the NSO website! Get started on the NSO website!
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A caring physical therapist consulting with his mature patient in the rehabilitation center A caring physical therapist consulting with his mature patient in the rehabilitation center

Get to Know NSO

 
  • One of the nation’s largest providers of insurance solutions for nursing professionals and businesses
  • 600K+ nursing professionals insured
  • 40+ years providing insurance solutions
  • 85+ national, state & specialty association partners
  • Robust risk management resources
  • Both NSO and HPSO programs are underwritten by our trusted carrier provider, CNA, and are within the Aon Affinity portfolio.

NSO helps protect your nursing career, license, and finances – so you can have peace of mind to focus on the work you love. When you secure coverage, your policy will be through NSO rather than HPSO, but includes the same program features tailored to your needs.
Policy at a glance
Covers you, up to $1 million each claim, for amounts that you become legally obligated to pay as a result of a professional liability claim arising out of a covered medical incident. Covers you, up to $6 million annual aggregate, for all covered claims in the policy period.
This coverage reimburses you for costs to notify patients of a violation of confidential personal information in compliance with privacy protection laws. It also covers HIPAA fines and penalties that you become legally obligated to pay as a result of a covered proceeding.
Violence in the workplace is a tragic reality. If you become the victim of a violent action at work or on your way to or from work, this coverage provides reimbursement up to the applicable limit for your covered medical expenses or damage to your property. (Not available in Texas.)
With your own individual coverage, you’ll have your own defense attorney designated by the insurer to represent you in court, when necessary. Legal fees will be paid for covered claims, in addition to your liability limits—WIN OR LOSE.
Coverage is available for incidents that occur on the job and after hours as well. Your insurance remains in force even if you change jobs or during a period of unemployment.
Insures you, up to the applicable limits of liability, against covered claims arising from allegations of slander, libel, assault and battery, and other alleged offenses committed in the performance of your professional services.
Pays up to the applicable limit for reimbursement of medical expenses incurred by others injured at your residence or business premises as a result of a covered incident.
A professional liability insurance policy through NSO is portable, so you can take it with you wherever you go. Whether you have a second job, volunteer, move, or change jobs, your policy is there to help insure you.
Reimburses you up to the applicable limit for lost wages and covered expenses incurred when you are required to attend a trial, hearing, or proceeding as a defendant in a covered claim.
You can extend your professional liability insurance to include coverage for non-surgical aesthetic procedures, including dermal fillers, laser hair removal, permanent cosmetics, collagen injections, microdermabrasion, Botox, and more. For more information on rates and details, please click here or call 1-888-273-4686.
Covers you for legal liability for covered claims resulting from incidents at your residence, unrelated to your work.
Provides coverage up to the applicable limit for unintentional damage you cause to someone else's property while at your personal residence or your workplace.
Reimburses you for expenses you incur while rendering first aid to another person. For example, this could include supplies from your personal first aid kit that you used to help a victim of an automobile accident.
Helps insure you anywhere in the world provided a claim is brought against you in the United States, its territories and possessions, Puerto Rico, or Canada.
A patient or client is injured at the facility where you work. You’re not named in the lawsuit, but you receive a subpoena for testimony during the policy period. Your coverage through NSO will pay for attorney’s fees of an attorney designated by the insurer as a result of your required appearance at a deposition that arises out of professional services.
Insures you, up to the applicable limit of liability, for amounts you’re legally obligated to pay as a result of covered claims involving acts of sexual misconduct related to professional services.
By adding the Consulting Services Liability Endorsement to your professional liability policy, you'll be covered for lawsuits resulting from advice, testimony or consulting you provide as a licensed nursing professional. To learn more, click here.