Why do Nurses need insurance?

Looking after your patients is, of course, your number one priority, but who’s looking after you? Ensuring you have the right insurance is an important part of protecting yourself from damaging allegations that can lead to a claim for compensation. With just a few clicks or a single phone call you can get covered instantly, so the only thing you need to worry about is taking good care of your patients.

Nurses type we cover:
Cosmetic Nurses
Enrolled Nurses
Mental Health Nurses
Nurse Practitioner
Practice Nurses
Registered Nurses
Rural Nurses


Did you Know?

The Nursing and Midwifery Board of Australia has set minimum requirements for Professional Indemnity Insurance (PI) for all enrolled nurses, registered nurses and midwives. You are required to have your Professional Indemnity insurance with an adequate level of cover for your practice, and which includes the following:

  1. Civil liability cover
  2. Appropriate retroactive cover for otherwise uncovered matters arising from prior practice
  3. Automatic reinstatement

For more information about your insurance requirements visit the Nursing and Midwifery Board of Australia website.

Get the cover that’s right for your nursing business

Professional Indemnity*

The joy of qualifying as a nurse and being able to help people recover from sickness and injury is a satisfying and rewarding career. However nurses, as with any healthcare professional, operate in an environment that is exposed to the risk of professional liability. It only takes one thing to go wrong to disrupt your career or possibly drain your assets.

Thankfully, Professional Indemnity insurance is there to give you peace of mind if you do face legal action as a result of actual or alleged negligent acts or omissions in the provision of your professional nursing service or advice. It is equally as important if you perform full-time, part-time, independent or contract work.  It may also be required for voluntary work, such as assisting at sporting events or offering your services to a charity group. Professional Indemnity Insurance can assist with the payment of compensation to a third party and the reasonable costs associated with responding to and managing claims covered by your .

Another benefit of Professional Indemnity insurance is that it can assist you if you are subject to disciplinary action as a result of your nursing activities.

Public Liability Insurance*

Considering how closely you have with your patients; Public Liability insurance is an easy choice for nurses. It is designed to provide protection for you and your business in the event a patient, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities.  Just think of the slip and trip hazards that could be created in the course of your work.

Cyber Liability*

If you collect and store information about your patient consider the consequences if it were to be compromised. Protect yourself against the expense and legal costs associated if your network is hacked or your laptop is lost or stolen and your patient’s sensitive information is stolen.


*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

Common causes of claims

  • Misconduct or being accused of misconduct, either in an administrative and/or clinical role
  • Making an incorrect diagnosis
  • Administering the incorrect medication, dosage, or treatment to a patient
  • Failure to accurately carry out instructions for care of a patient
  • Malpractice resulting in injury, damages, or even death to a patient
  • Accidentally causing damage to a patient’s property

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I found BizCover service excellent and found the price of the insurance cover very reasonable. Well done!

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First Aid Trainer & Worker

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Personal Carer

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