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Nursing insurance in Florida
Learn about business insurance requirements and the most common policies for nurses in Florida.
Which policies are required for nurses in Florida?
Whether you're a registered nurse (RN), nurse practitioner (NP), or licensed practical nurse (LPN), contracts and state laws may require you to carry certain types of insurance.
If you have a commercial lease, your property manager may require you to purchase general liability insurance. Commonly purchased by nurses in Florida, general liability insurance can protect your business from expenses associated with common mishaps, such as client property damage and injuries.
State law in Florida requires small businesses that have four or more employees to provide workers’ compensation insurance. Workers' comp covers medical bills for work injuries.
Commercial vehicles and vehicles used primarily for work must be covered by commercial auto insurance. This policy helps cover legal costs and medical bills in the event of an auto accident.
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What are the most common insurance policies for nurses in Florida?
Nurses in Florida most often buy the following types of insurance. Which policies you need depends on the specifics of your business, such as the number of employees, ownership of a business vehicle, and the terms of any leases or contracts.
General liability insurance
General liability insurance is the foundation of a nurse’s business protection, with coverage that extends to client injuries, client property damage, and advertising injuries. Most commercial leases require you to have this coverage.
Business owner's policy
Nurses in Miami, Orlando, and elsewhere in the state sometimes qualify for a business owner’s policy (BOP). This package helps your business save money by bundling commercial property insurance with general liability coverage at an affordable rate.
Workers' compensation insurance
Businesses in Florida that hire four or more employees are required by law to carry workers’ compensation insurance.
Workers' comp is optional for sole proprietors and independent contractors. However, it's still recommended, as health insurance can deny claims for injuries that are related to your job.
Professional liability / medical malpractice insurance
Professional liability insurance protects against claims that your work caused harm. That could include accidentally administering the wrong medication, or a baseless claim that you mistreated a patient. This policy is sometimes referred to as medical malpractice insurance.
In Florida, you need to carry medical malpractice insurance to be certified as an Advanced Practice Registered Nurse (APRN).
Commercial auto insurance
Business vehicles in Florida must carry enough commercial auto insurance to meet the state's minimum requirements for auto liability insurance.
Florida's insurance requirements are:
- $10,000 in personal injury protection
- $10,000 in property damage liability
This policy helps pay for medical bills, legal fees, and property damage when a business vehicle is involved in an accident.
Cyber liability insurance
Nurses handle sensitive patient information on a daily basis, which is why cyber liability insurance is so important for this profession. This policy helps cover the costs of data breach notifications, fraud monitoring services, and other necessary responses to data breaches and cyberattacks.
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How much does insurance cost for Florida nurses?
According to an analysis of Insureon applications, the typical nurse in Florida can expect to pay slightly more than the national median for the most common policies. For example, Florida nurses can expect to pay $1,105 for workers' compensation insurance, which is just above the national median premium.
Save time and money with Insureon
Insureon’s industry-leading technology helps nurses in Florida save time and money shopping for insurance by comparing policies from top U.S. carriers. Start a free online application to review quotes for the policies that best fit your business. Our insurance agents are licensed in Florida and can answer your questions as you consider coverage.
To make the application go quicker, have this information ready:
- Workforce details, such as the number and types of employees
- Current and projected revenue
- Business partnerships
- Insurance history and prior claims
- Commercial lease insurance requirements
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Updated: December 16, 2023
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