Malpractice Insurance for Students

What is Malpractice Insurance?

Malpractice insurance – also known as professional liability insurance – protects healthcare students during clinical training or internships. Even if you’re still learning, you may be involved in patient care and could be named in a legal claim if something goes wrong.

If a patient files a lawsuit against you, your school, or your supervisor, malpractice insurance helps cover legal defense and any resulting settlements — so you can focus on building your career.

How can Malpractice Insurance be beneficial?

• A student nurse administers medication under supervision but the patient has an adverse reaction — the family sues the facility, and the student is named. Insurance covers the defense.
• A physical therapy student incorrectly documents a session, leading to complications in patient care. The student is included in a malpractice claim.
• You’re doing unpaid externships not covered by school insurance — your policy protects you individually.
• Even if you're not at fault, legal defense is expensive. Student policies are affordable and offer strong protection.
• Coverage helps safeguard your future license by providing legal representation and support during investigations.

What to Look for in a Malpractice Insurance Policy

• Coverage Type: Most student policies are occurrence-based, covering you even after your rotation ends.
• Named Insured: Make sure you, not just your school, are listed on the policy.
• Defense Costs: Look for policies that include legal fees in addition to settlement limits.
• Policy Limits: A standard student policy is often $1M per claim / $3M annual aggregate — more than enough for training.
• Tailored for Students: Choose plans designed specifically for students, not general professionals.
• Low Premiums: Policies are usually affordable — often less than $40/year.