Business Details
50 Years
experience
Emergency
services
Trusted Professional Liability Insurance for Nurses Nationwide
Nurses Service Organization (NSO) has been a trusted provider of insurance solutions and risk management resources for nursing professionals since 1976. With over 40 years of experience, we specialize in individual professional liability insurance, offering comprehensive coverage that prioritizes the needs of nurses, students, and healthcare practitioners. Our mission is to advocate for the nursing profession by providing tailored insurance products that protect careers, licenses, and personal assets. Backed by partnerships with 85+ national and state-level professional associations, we serve more than 500,000 nursing professionals nationwide.Our policies include professional liability, license protection, and defendant expense benefits, with flexible payment options and 24/7 coverage. We emphasize risk management education and client-centric support, ensuring our members receive both expertise and reliability. Our underwriting partnership with CNA, a financially strong insurer rated A (Excellent) by A.M. Best, reinforces our commitment to long-term trust and stability for the nursing community.
Services
Professional Liability Insurance
Malpractice Insurance
Life Insurance
Disability Income Insurance
Long Term Care Insurance
Auto & Home Insurance
License Protection
Defendant Expense Benefit
Details
- Year established: 1976
Highlights and features
- We offer 24/7 coverage on and off the job for continuous protection.
- Our policies include license protection and defendant expense benefits.
- We partner with 85+ national and state-level nursing associations.
- Flexible installment plans are available for premiums over $250.
- Over 500,000 nursing professionals insured nationwide since 1976.
What people say
Peace of mind
Quick setup
Affordable
24/7 coverage
Comprehensive plans
Services
Professional Liability Insurance
Professional Liability Insurance safeguards nursing professionals against claims arising from errors, omissions, or negligence in their practice. This coverage protects personal assets and licenses, ensuring financial security during lawsuits. Ideal for registered nurses, nurse practitioners, and students, it includes defense reimbursement, license protection, and 24/7 coverage for off-duty incidents.
Life Insurance
Life Insurance provides financial security to beneficiaries in the event of the policyholder's death. Designed for nursing professionals, this coverage helps protect families by replacing lost income and covering final expenses. Policies are available at exclusive group rates, offering customizable term lengths and death benefits tailored to individual needs.
Disability Income Insurance
Disability Income Insurance replaces lost wages due to injury or illness preventing work. This service ensures ongoing financial stability by providing monthly benefits for covered disabilities. It covers both short-term and long-term scenarios, with options to customize benefit periods and payout amounts based on individual circumstances.
Long Term Care Insurance
Long Term Care Insurance covers costs associated with assisted living, nursing home care, or in-home assistance due to chronic illness or disability. This service preserves retirement savings by providing financial support for extended care needs. Policies include customizable coverage limits and inflation protection to adapt to future healthcare costs.
License Protection
License Protection covers legal expenses for disciplinary hearings related to professional practice. This service reimburses up to $25,000 for attorney fees during licensure disputes. It ensures nurses can defend their careers without financial strain, covering investigations, hearings, and settlement negotiations while maintaining compliance with regulatory standards.
Questions
What types of nursing professionals does NSO insure?
NSO covers registered nurses, nurse practitioners, CRNAs, CNSs, CNMs, nursing students, and graduates within their first year.
Are there discounts available for new nursing graduates?
Yes, new graduates receive up to a 60% discount off the full-time professional rate for their first year.
How do I determine if I need individual or business liability coverage?
Individual coverage applies if you're not incorporated and have no employees. Business coverage is required for incorporated entities or those with staff.
Does NSO offer coverage for off-duty nursing activities?
Yes, our policies provide 24/7 coverage for both on-the-job and off-duty professional activities.
What happens to my coverage if I change jobs or retire?
Coverage remains portable through job changes, retirement, or volunteer work without requiring policy modifications.
How does NSO handle claims related to communicable diseases like COVID-19?
There are no specific exclusions for communicable diseases; claims are evaluated based on professional liability policy terms.
