Nursing insurance in Texas

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.

Nurses in Houston, Austin, Dallas, 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.

Texas state law does not require employers to carry workers’ compensation insurance, though “non-subscribers” are required to report their status to the state workers’ comp agency.

Though this coverage is optional, it's still recommended – even for sole proprietors and independent contractors. If you're injured on the job, your health insurance could deny the claim and leave you paying medical bills out of pocket.

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.

Business vehicles in Texas must carry enough commercial auto insurance to meet the state's minimum requirements for auto liability insurance.

This policy helps pay for medical bills, legal fees, and property damage when a business vehicle is involved in an accident.

Texas' auto insurance requirements are:

• $30,000 in bodily injury liability or death liability per person
• $60,000 in bodily injury liability or death liability to more than one person
• $25,000 in property damage per accident

Texas state law also requires personal injury protection (PIP) for any policies with liability coverage. However, you can sign a waiver to decline this coverage.

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.