Insurance for Nurses
Available for employees and businesses
Meets Nursing and Midwifery Board Australia (NMBA) requirements
Tailored for nurses requiring insurance with AHPRA
Meets Nursing and Midwifery Board Australia (NMBA) requirements
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What is nurses’ insurance?
Nurses’ insurance (the different types of business insurance available to nurses) helps you manage the cost of different risks, like third party injuries, accidental property damage, negligence claims and more.
Ensuring you have the right insurance is an important part of protecting yourself from potentially damaging medical malpractice allegations, compensation claims, and the financial fallout of cyberattacks. These and other types of unplanned expenses can be expensive, especially if you’re paying them from your own pocket.
If the worry of unexpected bills makes you ill, then you might want to consider business insurance.
Why do nurses’ need insurance?
Nurses may need business insurance to meet regulatory agency requirements and cover unplanned expenses.
Who needs nurse’ insurance?
Most nurses consider business insurance to protect their businesses. BizCover offers cover for many nursing occupations, including registered nurses, nurse practitioners, and more, like:
Enrolled Nurses
Mental Health Nurses
Registered Nurses
Volunteer Nurses
Did you know?
Though many nurses are covered by their employer’s insurance, this is not always be the case. You may need to arrange your own insurance policies to protect yourself whilst you are working.
What types of insurance do nurses need?
BizCover has a range of insurance options to protect your professional reputation and finances. Build an insurance package that fits your needs and buy in minutes.
Popular cover types for nurses:
Nurses may also consider:
Let’s cover your small business on the go
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How much does nurses’ insurance cost?
The average monthly cost of business insurance for nurses is $62 with BizCover. However, the cost of your insurance will be based on factors like the services you provide and your cover levels.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
5 easy steps to get instant cover online today
Select Profession
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5 Steps to get your biz insured:
- Enter Occupation
Search & select your occupation
- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
Compare prices & select quotes
- Get Cover Today
Instant policy docs to your inbox.
How to make a claim online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 Steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
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See how much others have saved while purchasing policy through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently Asked Questions
Yes. The Nursing and Midwifery Board of Australia (NMBA) and the Australian Health Practitioner Regulation Agency (AHPRA) have set minimum requirements for Professional Indemnity insurance (PI) for all enrolled nurses, registered nurses and midwives.
Professional Indemnity and Public Liability insurance provide nurses with different, yet equally important, protections.
Professional Indemnity insurance* may come in handy in the event of negligence claims, whether you’re working full-time or part-time, as an independent contractor, or volunteering your medical services at events or to local groups.
If your actions result in an accidental injury or property damage to a member of the public, Public Liability insurance* may help you cover the costs of setting things right.
If you collect and store information about your patients, consider the consequences if that data were to be compromised. Cyber Liability insurance* could help you cover unplanned expenses related to cyberattacks, data loss, and more.
Hear from our customers
Real-life customer reviews verified by Feefo
Easy to sign up online, offered a few options to choose from. Seems to be comparable for value compared to other companies. I have my cover for my Nursing business for both PI and PL.
Calley A.
Very patient, professional and knowledgeable consultant
Angela V
It’s better to purchase insurance for registered nurse through online than other insurance companies.
Tong S
Representative took his time to explain the details of the policy and was very knowledgeable
Harman L
All my questions were answered. I was also a bit unsure what I wanted, but that was worked through with me.
Keizan T
Real-life customer reviews verified by Feefo