CRNA Malpractice Insurance: Five Must-Know Details

Selecting malpractice insurance is an important professional responsibility for CRNAs/nurse anesthesiologists. Understanding how coverage works—and how policies differ—can help ensure you’re protected throughout your career. AANA Insurance Services outlines five key considerations to help you make an informed decision.

1. Understand the Two Types of Coverage

Occurrence coverage protects you for any incident that takes place during the policy period, regardless of when a claim is filed.

Claims-made coverage applies only when both the incident and the claim occur while the policy is active. If you leave an employer, retire, or change coverage, you may need to purchase tail coverage to remain protected for services provided in the past.” 

2. Know Your Limits of Liability

Many CRNAs/nurse anesthesiologists carry $1 million per occurrence / $3 million aggregate coverage.

• Per-occurrence limit: The maximum amount paid for a single claim.
• Aggregate limit: The maximum amount paid for all claims during the policy period.

3. Review Coverage Features and Limitations Carefully

Policy provisions can differ significantly between insurers. Key areas to evaluate include the definition of a claim, consent to settle provisions, coverage for licensing or disciplinary proceedings, and whether defense costs are paid inside or outside policy limits.

4. Consider the Financial Structure Behind the Policy

Coverage may be provided by admitted insurance carriers, non-admitted carriers, self-insured captives, or risk retention groups. Understanding these differences can help you evaluate stability and oversight.

5. Work With an Agent Who Understands CRNA Practice

An experienced insurance agent who specializes in CRNA malpractice coverage can help assess your practice needs, explain policy options, and recommend coverage that supports your professional responsibilities.

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