Welcome to the RNAO NurseInsure Insurance Program

Are you looking for an insurance solution to your Errors & Omissions and Business needs?

Look no further – RNAO has the solution in the NurseInsure Malpractice Errors & Omissions Insurance and Business Insurance Programs.

Whether you are purchasing insurance as a requirement or whether it is in addition to any protection currently afforded to you, this program provides you the option to purchase the insurance that you need in the rendering of your professional services and/or in the running of your business. NurseInsure provides you peace of mind, with no reliance on other parties to provide you with the insurance protection you are looking for.

We are pleased to provide you with the following insurance product offerings for your consideration:

Malpractice Professional Liability/Errors & Omissions – Individual

  • Provides E&O insurance coverage to an RN or RN (EC) for claims arising out of alleged/actual negligence in connection with the provision of professional services in the practice of nursing
  • Full Prior Acts coverage included
  • Limits of $1,000,000, $2,000,000, $5,000,000 and $10,000,000 currently available
  • Defence Costs are in ADDITION to the limit of insurance
  • NIL Deductible
  • Option to have coverage automatically extended to your Personal Corporation, if needed and subject to meeting eligibility requirements
  • Option for Worldwide Territory coverage, if needed
  • Option to purchase tail/extended reporting period insurance up to 6 years in the event of cessation of business, retirement, death, or disability of the insured
  • Security & Privacy Liability Coverage automatically included, subject to $50,000 sublimit per claim/aggregate per policy period
  • Satisfies the CNO’s professional liability protection (PLP) requirement
  • Premiums start as low as $127 annually

Malpractice Professional Liability/Errors & Omissions – Firm (For Business Entities, Partnerships, Corporations)

  • Provides E&O insurance coverage to the partnership/entity for claims arising out of alleged/actual negligence in connection with the provision of professional services in the practice of nursing
  • Coverage is automatically extended to all non-professional employees of the partnership/entity. All professionals of the partnership/entity, such as RNs and RN(EC)s, will each need to purchase the Individual Malpractice Professional Liability/Errors & Omissions Insurance as noted above. Coverage is subject to the terms of the policy
  • Full Prior Acts coverage included
  • Limits of $1,000,000 $2,000,000 and $5,000,000 currently available, with higher limits available upon request
  • Defence Costs are in ADDITION to the limit of insurance
  • NIL Deductible
  • Option for Worldwide Territory coverage, if needed
  • Option to purchase tail/extended reporting period insurance up to 6 years in the event of cessation of business
  • Security & Privacy Liability Coverage automatically included, subject to $50,000 sublimit per claim/aggregate per policy period
  • Employment Practices Liability Coverage automatically included, subject to $100,000 sublimit per claim/aggregate per policy period
  • Premiums start as low as $165 annually

Business Insurance – Property and Commercial General Liability Insurance

  • Provides the option to purchase insurance against the following key exposures in the operations of your business:
    • Coverage for your business equipment and contents as per limit options available on the program
    • Coverage for business interruption (loss of revenue and additional expenses incurred) as a result of a property loss insured under the program
    • Coverage for theft of money, depositor’s forgery, credit card forgery, and client property as per the limits available on the program
    • Coverage for third party liability as a result of negligence (ie. slips and falls) – limits of $2,000,000, $3,000,000, and $5,000,000 currently available
    • Coverage for $2,000,000 Tenant’s Legal Liability included
    • Coverage for Non-Owned Automobile Liability included (follows the CGL limit chosen)
    • Coverage for $1,000,000 Employers Liability Exposures included
    • Premiums start as low as $473 annually

Let's Get Started!

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(If you are not purchasing Business Insurance, please answer 'No')
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Note: if you are not paying by credit card, you will be required to print and sign the completed application, and send it in with a cheque.

For assistance with this application, please use the Get Assistance button on the Summary Page or contact us at 1-800-650-3435 Mon-Fri, 8:30am to 5:00pm.

Administered by The Magnes Group Inc.