Why CRNAs should carry their own malpractice insurance
NSO — which has safeguarded the assets and licenses of nursing professionals for over 50 years — offers coverage designed specifically for nurses, including CRNAs, for when an employer's coverage is not enough. Anesthesia claims can be severe, and an employer policy protects the facility first and typically excludes license defense.
- Individual coverage is portable and follows you across employers, locum assignments, and periods of leave.
- Professional liability, license defense, and 24/7 coverage travel with you rather than staying with one facility.
- Because anesthesia exposure is high, many CRNAs maintain their own policy even when an employer insures them.
Occurrence vs claims-made (CRNAs)
Occurrence coverage protects incidents during the policy period regardless of when a claim is filed — important for anesthesia, where claims can surface years later. If your employer's policy is claims-made, confirm whether tail coverage is provided when you leave, since anesthesia tail costs can be significant.