How to Obtain NSO Malpractice Insurance and How Much It Costs

NSO has a history of defending nursing professionals from allegations of medical malpractice and complaints for over 40 years. NSO stands for Nurses Service Organization. The company is committed to serving the needs of nursing professionals everywhere.

NSO Malpractice Insurance

It empowers nurses by offering malpractice insurance to bring peace of mind and grow your risk education. They are the premier administrator of nurses’ malpractice insurance in the United States, with over 500,000 insured nursing professionals and more than 80 professional nursing association partners.

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NSO Malpractice Insurance

NSO malpractice insurance is one of the many available options that nurses or the physicians who employ them can choose. Also, they offer comprehensive coverage at a low cost with limits of up to $6 million aggregate and $1 million per claim.

NSO has been in business since 1976, and it is one of the leading providers of malpractice insurance and professional liability coverage for nurses in the United States. They have an advisory board that helps design and provide insurance policies and unique services to nurses nationwide.

Although providing nurses with liability insurance is the core of what they do, they also offer other insurance policies, including health insurance, life insurance, and disability income insurance.

How Much Does NSO Insurance Cost?

NSO malpractice insurance policy differs from one individual to another. They provide malpractice insurance for student nurses for as low as $35 a year and professional nurses for as little as $106.

Factors That Affect the Cost of NSO Malpractice Insurance

Here are several factors that affect the cost of NSO malpractice insurance:

  • Practice location.
  • Area of specialty.
  • Experience.
  • The amount of coverage required.
  • Your history claims.

Who Does NSO Malpractice Insurance Cover?

NSO insurance is a comprehensive service providing coverage for more than eighty different types of healthcare professionals and providers. They offer discounts to graduating students as long as they apply within twelve months of graduation.

The same benefits are offered to both employed and self-employed professionals and nurses who hold more than one type of license.

It also provides easy transference of coverage for nurses who choose a specialized field or are switching from one area of the nursing profession to another.

How to Obtain NSO Malpractice Insurance

To obtain NSO malpractice insurance, follow the guidelines below:

  • Visit their official website at https://landing.nso.com/malpractice-insurance
  • Determine your needs and the amount of coverage you need.
  • Get a quote from NSO malpractice insurance.
  • Review their quotes and the coverage options provided.
  • Complete the application process.
  • Pay the premium and review the policy.

Benefits of NSO malpractice insurance

The benefits of NSO malpractice insurance include:

  • License protection.
  • Information privacy.
  • Professional liability coverage.
  • Sexual misconduct claims coverage.
  • Legal defense expenses.
  • Assault coverage.
  • Portable coverage

One of the best benefits of having an individual NSO malpractice insurance policy is taking your coverage from one employer to another.

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Frequently Asked Questions

Below are some frequently asked questions.

Who is Responsible for Paying for NSO Malpractice Insurance?

A nurse with individual malpractice insurance from NSO is responsible for paying the policy’s monthly premiums. If an employer provides it as part of the benefits package for an employee, then the employer will cover the costs.

What are the Pros of NSO Liability Insurance?

The company is financially strong and has good reviews. They offer discounts for students and recent graduates, and they have a reputation for being easy to work with whether you are trying to obtain coverage or file a claim.

Are There Cons to the NSO Liability Insurance?

The downside of this coverage is that it is limited to $1 million per accident, and some accidents can require huge payment for damages. Also, NSO policy does not cover any other healthcare professionals.


Nurses must protect themselves and their careers by maintaining professional liability and medical malpractice insurance. It is strongly recommended for nurses even if they work in a state that does not require it.

It is the best way to protect your license and defend your career and assets. You should not assume that your employer’s liability insurance will cover you when a complaint or lawsuit is filed.