Malpractice Insurance for Registered Nurses

Get quick and reliable protection for your career—and your 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.

Why Should I Choose Cinch for My Medical Malpractice Insurance?

At Cinch, we’re working to create a better insurance experience for registered 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.

Why Do RNs Need Malpractice Insurance?

Unfortunately, registered nurses can get sued. For example, a patient (or their family) could accuse you of acting negligently and, consequently, make a claim or file a lawsuit against you. When this happens, matters need to be sorted out—and this often means that lawyers will be involved. This will likely cost time and money, in addition to creating a whole lot of stress. Having the dedicated team at Cinch behind you can relieve much of this burden.

My Hospital/Practice Provides Malpractice Insurance. Why Do I Need More?

You want your own liability insurance because you want to have your own dedicated team whose sole interest is you—not your employer, other medical professionals, or someone else’s bottom line. 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.

How Much Would an RN Medical Malpractice Policy Cost?

Medical malpractice insurance policies for RNs start at about $65 a year. However, the cost of your specific quote will depend on a variety of factors, including your years of experience, education, state(s) in which you work, and time spent on the job.**

The best way to get an accurate idea of what your policy would cost is by filling out our quick online application to receive a quote. The process takes a minute or two, and—if you choose to purchase—your policy can go into effect any day you’d like, including today.

If I’m a Traveling Nurse, How Do I Get Insurance If I Work in Different States?

On your application, simply select the state in which you primarily practice or do the majority of your work. Your Cinch policy follows you across all 50 states (and Washington D.C.), so work performed outside of the state where you primarily practice will be insured under your policy.**

Do I Need Insurance If I Work for a Nurse Staffing Agency?

It’s a good idea to have your own dedicated malpractice policy, just as if you worked full time at a hospital or clinic. Given the low cost of our RN policies, it’s a small price to pay for peace of mind.

Regardless, you’ll want to confirm if you have medical malpractice coverage through your staffing agency, or if it’s provided by the employer with whom you’re being placed. Then read your policy to make sure that you feel sufficiently covered. If you notice any gaps in coverage or lots of fine print, don’t forget that we’re here and can help you get additional coverage—plus that added peace of mind.

Do You Provide Coverage for Me While I Go Back to Nursing School?

Yes, we do. There are two ways to do this. If you’d like coverage as an RN and as a student, you can simply purchase an RN policy and we can add a student endorsement to it. But if you prefer coverage only as a student, we also offer a variety of student policies that start at about $14 per year.**

Jason was very helpful. He provided information and was very accommodating, even when I changed the type of policy. He was patient and pleasant. Great experience. Thank you.
Michelle, Registered Nurse Texas

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.