Why RNs should consider their own policy
As Proliability puts it, many nurses assume their employer's insurance is enough, but those policies are written to protect the facility first — not you. Having your own individual policy ensures your interests are front and center, and the coverage is portable: it follows you from job to job even if you change employers, roles, or states.
- Any nurse can be named in a claim — from medication errors and documentation issues to patient falls or simple misunderstandings.
- Proliability's employer-vs-individual comparison shows board complaints covered up to $100,000 and HIPAA fines up to $50,000 on an individual policy.
- Coverage is available for student nurses, RNs, LPNs, and travel nurses.
Nurses are not immune from malpractice payouts: according to the National Practitioner Data Bank, 26% of medical malpractice payments made from 2012 to 2022 were from non-physicians (cited by Berxi).
Occurrence vs claims-made (RNs)
Nurse policies from Proliability and HPSO/NSO are occurrence based, which means an incident during the policy period stays covered even after the policy ends — no tail coverage needed. HPSO/NSO coverage stays in force even if you change jobs or during a period of unemployment. Berxi offers both occurrence and claims-made, with defense costs outside your limits.