Malpractice Insurance for Nurses

Quality care for your career and professional reputation.

Cinch™ offers industry-leading medical malpractice insurance with the speed and ease that you’ve come to expect from modern, technology-focused companies. The efficiency we’ve built into the process means lower prices. (On average, we save customers 20%.)* You can get a quick quote and buy a policy that’s effective today, or up to a year in advance. And since Cinch is part of Berkshire Hathaway Specialty Insurance (BHSI), you can feel secure in knowing that you’re partnering with a company that’s focused on the long term.

Learn about all of our nursing insurance products:


Why Do Nurses Need Malpractice Insurance?

Simply put, someone might sue you or file a claim against you that may threaten your medical license. If a patient (or their representative) brings a claim against you, you’ll want to have a med mal policy in place that can provide you with insurance for legal fees and costs of settlement, which that can often be a hefty sum of money.

You’ve worked hard to become a nurse. Medical malpractice insurance helps you take care of yourself while you take care of others.


Do Nurses Really Get Sued?

Unfortunately, yes. Here are some statistics from 2016:

  • The average claim in 2015 was $164,586.
  • Claims show no gender bias.
  • Nurses with additional certifications working in high-risk areas were sued the most: 36% specialized in adult medical/surgical fields; 16% specialized in aging services; and 12% specialized in home health/hospice care.
  • 41% of the medical malpractice suits occurred when the patient’s death was not the expected outcome for the treatment or disease.
  • Nurses who had rapid access to clinical information at their place of employment had lower indemnity payments than those without access to the data.
  • 79% of med mal suits involved nurses who’d been practicing for 11 years or more.
  • $4,000 is the average cost that nurses spent on legal defense.


My Workplace Already Covers Me. Do I Still Need My Own Policy?

You should consider having your own nurse malpractice insurance policy to protect your interests. Even if your employer provides coverage, here are some important things to consider:

  • A fellow employee could submit a claim against you. Your company’s policy may exclude coverage for claims of one employee against another employee.
  • If you’ve changed jobs and a claim is filed against you for actions while you were with your previous employer, your prior company’s policy may no longer cover you.
  • Your employer’s policy may not cover your lost wages that accrue while you attend legal proceedings.
  • If a number of employees are named in the same claim, your employer’s policy may not have adequate limits to protect you and your fellow employees.

Having your own policy can help you feel more comfortable if a claim is filed against you. With your own policy, you’ll have access to your own legal representation, and the resources of the policy aren’t shared among multiple insureds.


What Are the Pros and Cons of Nurse Malpractice Insurance?

Well, it does cost money each year. That’s the only con we can think of.

But the pros truly outweigh the con, because without insurance, you would have to pay out of pocket for legal fees and settlement costs. With medical malpractice insurance, you have insurance that protects you by providing you with defense counsel and limits of insurance available for indemnification and settlement.


Why Should I Choose Cinch for My Nurse Malpractice Insurance?

At Cinch, we’re working to create a better insurance experience for nurses by offering affordable coverage and outstanding service. Here are a few things that set us apart:

  • Financial Stability: BHSI is part of Berkshire Hathaway’s National Indemnity group of insurance companies, consisting of National Indemnity and its affiliates, which hold financial strength ratings of A++ from AM Best and AA+ from Standard & Poor’s.
  • Industry-Leading Claims Support: With a nationwide network of experienced claims handlers, our team will be right there to help you navigate the process if a claim is ever filed against you.
  • Competitive Pricing: Buying direct from us can save customers as much as 20%–and, in some cases, even more.*
  • Simplified Experience: We’ve created a modern and intuitive digital insurance experience. You’ll get your policy documents as soon as you purchase, and you’ll be able to access your online account 24 / 7. We also aim to cut the jargon and talk to you like the smart, professional HUMAN that you are.



Still have questions? Feel free to call us at 844-716-8418; our friendly staff will be happy to address your individual situation.

We started Cinch because we believe that we can make insurance better, faster, and more affordable by offering you a direct connection with an insurance company that cares about your needs. That means that you buy directly from us and you talk directly to us. We know you expect fast, seamless results from a company that really understands you—and that emphasis on technology, compassion, and customer satisfaction is all built into the Cinch mission.
Adam Yasan VP, Cinch

What’s Covered Under Cinch Professional Liability – Healthcare

Industry Coverage

Medical Malpractice Coverage
Defense Counsel
Worldwide Coverage
Good Samaritan Coverage
Sexual Misconduct/Abuse

Automatic Coverage Extensions

Information Privacy Coverage (HIPAA)
License Protection
Defendant Expense Benefit/Deposition Representation
Reputation Coverage

Additional A La Carte Coverage

Business/General Liability Coverage
Medicare/Medicaid Reimbursement Endorsement

* “20% savings” is based on industry pricing averages.

** Quote and issuance of a policy are conditioned upon receipt and approval of the following 1) Practice Location; 2) Profession / Specialty; 3) Employment Status; 4) Coverage Type; 5) Hours Worked; and 7) Prior Claims Activity. Final pricing and terms of coverage may vary.

*** Terms, pricing, and coverage may vary.