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The state of Florida requires nurses to have malpractice insurance coverage unless they qualify for an exemption (see more information https://floridasnursing.gov/). Malpractice insurance is a type of professional liability insurance. This insurance is crucial as it covers claims arising from alleged negligence or failure to provide the expected level of care. This can protect the nurse in case of lawsuits or claims related to their professional services.
Research Insurance Providers
Identify insurers that specialize in healthcare coverage. Consider those with strong reputations for serving healthcare professionals.
Some resources include:
Compare Quotes
Request quotes from multiple providers to compare costs and coverage. Many insurers have online quote tools available to make this process easy. The cost of the insurance will vary depending on the services you offer, your circumstances, etc.
Evaluate Coverage Options
Review each policy’s details, focusing on coverage limits, exclusions, premiums, and deductibles.
Verify Insurer's Credibility
Check the financial stability and customer service ratings of the insurance companies, using resources like A.M. Best ratings.
Purchase the Policy
Select the best insurance provider that meets your needs and budget, then apply for the insurance.
Maintain Your Coverage
Keep track of policy renewal dates and review your coverage annually. Update it as needed to reflect changes in your professional circumstances.