Take comfort in protecting the career you love.

We understand. As a nurse or healthcare professional, your work is part of who you are. Protect yourself with Professional Liability insurance from the best rated carriers.
Starting from $102 per year!


See a quote, purchase a plan, and voila! You're protected.

Who do we cover?

Through Fabiah.com, you can purchase complete, affordable malpractice insurance for registered nurses (RNs), nurse practitioners (NPs), physician assistants (PAs), home health aides, physical therapists, lab technicians, students, and many other health professionals.

In partnership with CM&F Group

What is professional liability insurance?

Professional liability insurance - also called medical malpractice insurance - is liability insurance specifically designed to protect nurses, healthcare professionals and their careers against the financial impact of claims. Claims for what? For doing something wrong (Errors) or failing to do something (Omissions).

Why do you need it?

Many healthcare professionals—whether they are NPs, RNs, PAs, LPNs, or any other designation—purchase professional liability insurance because they are aware that patients, their families, or other people may sue them. They know that lawsuits are common in today’s society.

Myth

I need coverage only if I do something wrong

Unfortunately, that’s NOT the case. People sue for many reasons. Frivolous lawsuits occur every day. You may get sued and incur losses even if you did nothing wrong. That is the world we live in. Be prepared for the unexpected.

Myth

My employer’s policy already protects me

This may be true for many nurses and healthcare professionals, but it is not always true. Coverage gaps may exist in your employer’s policy and you’d be responsible for the difference. Also, your employer’s policy is likely designed to protect your employer first. That is different from protecting you personally.

Myth

Having a policy makes me a target of lawsuits

Unless you openly share its existence, no one knows that you are covered. Not to mention that, when a patient is injured, most lawyers sue everyone involved.

What’s included in the coverages?

The actual coverages and limits depend on your specific profession and options chosen when you purchase a policy. A typical coverage for NPs/PAs/RNs includes the following (please review your specific coverage options by clicking “Get a Quote”):

  • Coverage Options up to $2 Million per Claim
  • Full Consent to Settle Claims
  • License Defense Coverage

  • General Liability Available
  • Defense Costs in Addition to Liability Limits
  • Sexual Misconduct Defense

  • HIPAA Defense Coverage
  • Telemedicine Coverage
  • 24/7 Portable Coverage That Covers You Everywhere You Go, Even in Volunteer, Telehealth or Moonlighting Assignments

Why choose Fabiah?

When it comes to insurance companies, you don’t always know the rating and experience of your provider. We have good news for you. The policies purchased through Fabiah.com are issued by top insurance carriers like Medical Protective, rated A++ (Superior) by A.M. Best. It is the nation’s oldest provider of healthcare malpractice liability insurance and it’s owned by Berkshire Hathaway. Trust the strongest carriers.

At times it seems like you insurance guys write things just to confuse people 😐

We agree with you. That’s why Fabiah was born! We think like you. We want to simplify things that appear complicated.

One of the most difficult ideas for most people to understand is the difference between occurrence-based and claims-made policies. So that you fully understand the difference, let’s define two terms: Claim and Incident.

Key Terms

claim

A claim is simply an application or request for compensation for a loss

incident

An incident is the act (or omission) that is the basis for the filing of a claim

Note that very often claims are filed months or even years after the alleged incident! This fact explains the difference between the two types of policies available for medical malpractice claims.

Two Policy Types

Occurrence-based policy

This covers incidents occurring during the policy period, regardless of when the claim is reported.

In simple terms, if you buy a policy with Fabiah effective tomorrow, and you are then sued three years from now for an incident that occurs next month, you will still be covered by an occurrence-based policy even if that policy lapsed after the first year because you did not renew it.

A claims-made policy

This type of policy covers incidents that occur during the policy period only if the claim is also reported during that period.

The implication of this is that after the policy lapses, insureds lose their coverage unless they opt to buy a “tail” coverage that protects them for past incidents.