If a patient suffers a burn from hot bath water, or falls during a transfer from a wheelchair, the result could be a lawsuit. Business insurance for CNAs protects your personal assets during a legal battle. It can also help pay for work injuries, theft, and auto accidents while driving to clients' homes.
Certified nursing assistants (CNAs) can save money by comparing quotes from top-rated insurance companies.
Fill out Insureon's easy online application to get free quotes and advice from a licensed insurance agent.
These insurance products cover common risks faced by nursing assistants.
Professional liability insurance coverage pays for legal costs related to negligence, such as poor patient care that results in pressure sores. It's also called malpractice insurance.
Most states require workers' comp for businesses that have employees. It also protects CNAs who work independently from work-related medical bills that health insurance might deny.
A business owner's policy, or BOP, is a cost-effective way for certified nursing assistants to buy commercial property insurance and general liability coverage together.
A general liability policy covers legal defense costs from third-party accidents, such as an elderly patient who slips and suffers an injury. It's often required for a commercial lease.
This policy helps nursing assistants pay costs associated with data breaches and cyberattacks. It can often be added to a business owner's policy or general liability policy for savings.
Most states require commercial auto insurance for vehicles owned by a nursing assistant's business. It helps cover the cost of accidents involving your business vehicle.
A CNA who works part-time for a home health agency can expect to pay less for insurance than one who works full-time at a busy hospital.
Factors that affect premiums include:
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It's easy to get business insurance for nursing assistants if you have your business information on hand. Our application will ask for basic facts about your practice, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed agents work with top-rated U.S. providers to find the right insurance plan for nurses, home health aides, and other healthcare providers, whether you’re self-employed, work for a healthcare facility, or hire employees.
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Review answers to frequently asked questions about commercial insurance for nursing assistants.
Nursing assistants can rely on malpractice insurance, also called a professional liability insurance policy, to cover costly lawsuits related to professional negligence. There are several reasons why you might need this coverage:
Keep in mind that CNA malpractice insurance is a claims-made policy, which means you’ll need to keep your policy active in order to benefit from it.
The application process for a CNA certification varies depending on your state, but the requirements are similar.
In general, you're expected to:
The certification typically lasts for two years. After that time, you need to submit a renewal form and pay a fee, or take a competency exam if you don't meet the renewal criteria.
Nursing assistants may need additional protection depending on the type of work they do and their risks. Fortunately, it's possible to modify your policy to cover a wide range of malpractice claims, including:
Consult a licensed insurance agent to find out about any exclusions or to add other types of liability coverage to your policy.
