Nurse Liability Insurance in California
Quick answer: RNs, LPNs, and LVNs can quote professional liability instantly. A nurse's own policy responds to allegations that your nursing care caused harm and pays for your defense, including licensing board matters under many forms. It also protects you when you work per diem, travel, or hold a second job where you are not named on the facility policy.
What it typically costs
Commonly under a few hundred dollars per year for $1M/$3M, subject to underwriting
Pricing is not published by profession, so the only real answer comes from running a quote with your state, hours, and work setting. Factors that move the number:
- License type and whether you hold a specialty certification
- Employment type: staff, per diem, travel, agency, or independent
- Setting: acute care, ICU, ER, OR, home health, school, or telehealth
- Whether you also perform cosmetic or IV hydration services
- Limits required by employers and claims history
What to confirm before you buy
- Individual coverage for per diem, travel, and agency assignments
- Confirmation that your specialty and setting are within the policy description
- Coverage for licensing board complaints, if the form includes it
- Separate consideration for IV hydration or med spa services
Coverage is typically claims-made. The policy in force when a claim is reported responds, and the retroactive date determines which past work is covered. Policy language controls.
How to get your registered quote
- Open the instant application with the button above.
- Select the RN / LPN / LVN Group when the form asks for your profession or program group.
- Enter your state, work setting, hours, and claims history.
- Review pricing and limits, then bind online or call us first.
If a facility, payer, or client contract requires a specific limit or certificate wording, call (888) 998-7742 before you buy so we can confirm the policy you are purchasing will satisfy it. PRIA Brokers is appointed with CM&F Group for these programs and also places coverage with more than 50 A-rated carriers.
Frequently asked questions
Quick answers from our brokers. Anything else, we're a phone call away.
Does a hospital's policy protect me as an RN?
It protects the hospital and may extend to staff, but it does not cover every situation, and it will not follow you between employers. Nurses who work per diem, travel, or hold multiple positions commonly buy their own policy so coverage does not depend on a facility's schedule.
How much does nurse liability insurance cost in California?
Many individual nurses pay under a few hundred dollars per year for $1,000,000 per claim / $3,000,000 aggregate. Specialty, setting, employment type, and limits affect pricing, and any figure is indicative and subject to underwriting review.
Does nurse liability insurance cover licensing board complaints?
Many professional liability forms include licensing board or administrative defense, sometimes as a sublimit. Confirm the wording if board complaints are a concern, since not every form includes this coverage.
Am I covered if I do IV hydration or med spa work on the side?
Not automatically. Cosmetic and IV hydration services are often rated separately or excluded under a standard nursing form. Tell us if you perform them so the policy describes your actual scope of work.