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 a part of Berkshire Hathaway Specialty Insurance (BHSI), you can feel secure 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 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?

Simply put: A patient (or their family) could accuse a nurse of acting negligently and, consequently, make a claim or file a lawsuit against her. 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 to have 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:

  • If a fellow employee submits 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, the prior company policy may not cover you if you no longer work there.
  • Your employer’s policy may not cover your lost wages accruing 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 amongst multiple insureds.

How Much Would a 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 like 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.**

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

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

**Terms, pricing, and conditions of coverage may vary—please refer to your particular policy for more details.

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