Ans: First and foremost, the employer’s insurance is designed to protect the entity and its interests. You come second, or third, or fourth. Your career is far too important to place in the hands of your employer, its attorneys, and your employer’s insurance company. Individual professional liability insurance ensures you have a team in your corner with your best interest as their top priority—always.

An employer’s insurance only covers you while you are on the clock. NSO protects you on and off the clock and in settings like volunteering, offering nursing advice, and the like—even off company property.

NSO covers your professional liability as well as license protection. A board complaint can be made against your license for any reason by anyone. The complaint could arise from a patient, family member, the hospital, or even a colleague. Most employer provided coverage does not offer defense of license to the board because it may be the employer who submits the complaint.

Ans: We provide coverage for over 80 different types of healthcare professional licenses and certifications. We will cover you for any of those licenses that you hold. Your premium will be determined by whichever of your licenses carries the highest exposure.

For example, you may be licensed as a Registered Nurse and an EMT-Basic. Your premium would be based on the higher exposure, in this case the EMT-Basic. Coverage for the other profession would be added to your policy for no additional cost.

Ans: The fact is anyone can file a complaint against you with the state board for any reason—even your own employer—and it doesn’t have to be solely connected to your professional duties. You’ve studied and worked hard for your license, and it should be safeguarded. All complaints need to be taken seriously, no matter how trivial or unfounded they may appear.

Our current License Protection coverage reimburses you for your defense of disciplinary charges and other covered expenses arising out of a covered incident. We understand the importance of your license to your livelihood and will help you preserve it.