Why Every Nurse Needs Independent Malpractice Insurance & How WeSalute+ Members Get it for Less

In the high-stakes world of healthcare, your license is more than just a piece of paper — it’s your livelihood, your reputation, and the result of years of hard work. However, many nurses operate under the dangerous assumption that their employer’s insurance is enough to protect them.

The reality of modern healthcare is that nurses face a two-front battle. Medical malpractice suits remain a constant threat to your personal assets, and now Board of Nursing (BON) disciplinary investigations have emerged as an even more frequent "silent career killer." In fact, claims involving license defense have increased by nearly 80% in recent years. Whether you are facing a formal lawsuit or a challenge to your professional standing, relying solely on a hospital or agency policy can leave you dangerously exposed.

The Conflict of Interest You Can’t Afford

Most employer-provided insurance is designed to protect the facility first, not the individual nurse. If a conflict of interest arises between you and your employer, their legal team will prioritize the organization's interests. This is especially critical during a BON investigation, which is often actually triggered by the employer.

Furthermore, employer policies rarely cover you for:

• Volunteer work or "Good Samaritan" acts.
• Moonlighting, side contracts, or telemedicine.
• Legal defense specifically for license-specific challenges.

CM&F Group: Your Professional Safety Net

Since 1919, CM&F Group has provided healthcare professionals with portable, affordable, and comprehensive protection. Underwritten by MedPro (a Berkshire Hathaway company rated A++ Superior), this coverage ensures that your defense is as strong as your dedication to your patients.

Key Benefits of a CM&F Policy:

• Defense in Addition to Limits: Most insurance providers deduct legal fees from your total coverage amount. With CM&F, your attorney fees are paid separately, leaving 100% of your liability limits (up to $1M per claim / up to $6M aggregate) available for settlements.
• Specialized License Defense: Your policy covers up to $35,000 per claim ($100,000 aggregate) for defense costs arising out of disciplinary, licensure, or similar administrative proceedings. This is the specific protection needed for Board of Nursing investigations.
• Broad Legal Reimbursement: You are covered for HIPAA violations (including relevant fines) and Sexual Misconduct defense costs, ensuring that a single allegation doesn't lead to financial ruin.
• 24/7 Portability: Your protection follows you across all 50 states, covering you whether you are at your main job, a telehealth shift, or volunteering.
• Full Consent to Settle: You maintain control over your reputation. No claim is settled without your explicit approval.

Important Note: If you are facing a disciplinary action or notice from the Board, CM&F advises that you report the incident immediately before hiring outside counsel. Their insurance carrier coordinates the legal response to ensure the best possible outcome for your professional standing.

Get Preferred Access with WeSalute+

As a WeSalute+ Member, you have preferred access to CM&F Group’s comprehensive liability insurance. This dedicated access provides a streamlined process for our community of professionals to secure independent protection quickly and easily.

Don't leave your career to chance or rely on a policy that belongs to your employer. Secure a policy that is portable, affordable, and designed to defend your license wherever your career takes you.

Visit our CM&F Group Offer Page in the WeSalute Marketplace to learn more about your exclusive member access and how to secure your independent protection today.