CRNA Malpractice Insurance

Certified Registered Nurse Anesthetists deliver anesthesia care across hospitals, ambulatory surgical centers, and office-based settings. Because their work involves airway control, powerful medications, and real-time clinical judgment, anesthesia professionals face higher exposure to malpractice claims tied to complications, documentation, and equipment readiness.

Homewood Insurance helps CRNAs secure coverage that matches how they actually practice—independent contractors or employed, single facility or multi-facility, general anesthesia or regional blocks.

This page outlines the following:

What Insurance Includes – clear Professional Liability and General Liability protections for CRNAs.
Cost of Coverage – realistic annual premium ranges and the key pricing drivers.
Higher-Risk Activities – procedures and practices that elevate premiums or may require endorsements.
Why Work With Homewood – how we prevent gaps, place tough risks, and streamline tail/retro options.

Get a Free Quote Now

The fastest way to find the most suitable insurance coverage for CRNAs is to fill out our quick quote form, so we can give you an idea of the type of insurance coverage that best suits you.

Homewood Insurance works with a number of different carriers to ensure you have the most suitable insurance coverage at the best price.

CRNAs Malpractice Insurance can include:

Comprehensive protection for anesthesia services in hospitals, surgery centers, and office settings.
Covers general anesthesia, regional blocks, spinal/epidural, and monitored anesthesia care (MAC).
Legal defense for complications such as failed intubation, aspiration, hypotension, or adverse drug reactions.
Protection for informed consent disputes, delayed emergence, documentation errors, and equipment failure.
Options for obstetric, trauma, cardiac, and pediatric anesthesia.
Staff and contractor structures supported (W-2, 1099, locums, multi-facility).

Insurance for Nurse Anesthetists can include:

Malpractice or liability insurance can provide essential protection against these risks:

Professional Liability (Malpractice) Insurance

Allegations tied to anesthetic plans, induction, maintenance, emergence, and recovery handoff.
Defense for complications: hemodynamic instability, nerve injury, PONV, awareness, dental injury, post-dural puncture headache.
Coverage for general, regional, neuraxial, and MAC when within scope and credentialing.
Options for obstetric, trauma, cardiac, pediatrics, and pain-adjacent work (per carrier appetite).
Claims-made forms standard; flexible limits, retroactive dates (prior acts), and tail for job changes or retirement.
Policy limits up to $1,000,000 per claim / $3,000,000 aggregate, with prior-acts and tail coverage available.

General Liability Insurance (premises and operations)

Visitor slips, trips, and falls at an office or suite you control.
Third-party property damage (e.g., damaged spectacles/devices).
Personal and advertising injury (defamation, content disputes if you market services).
Medical payments for minor incidents on premises.

Recommended add-ons

License protection/disciplinary defense (board and hospital actions).
Cyber Liability Insurance (anesthesia records, e-prescribing, tele-anesthesia scheduling).
Shared entity coverage if you bill via your own LLC/PC and subcontract with facilities.
Umbrella/excess limits for larger systems or high-acuity caseloads.

⬆ Back to contents

CRNA Malpractice Insurance Cost

Premiums are influenced by specialty mix, litigation environment, facility size, and claims history. Carriers also evaluate risk management protocols such as credentialing, peer review, and informed consent.

Professional Liability (Malpractice Insurance) – typical annual ranges for $1M/$3M limits

Hospital-employed, single facility, lower-risk mix: $2,500 – $5,000.
Multi-facility or 1099 contractor (independent): $4,500 – $9,000.
High-acuity focus (OB, trauma, cardiac, pediatrics): $7,500 – $15,000+.
Locums/travel roles with frequent site changes: usually 10–25% higher than a single-site equivalent

General Liability Insurance – Estimated Ranges:

(if you maintain your own suite/entity)

Small office/administrative suite: typically $400 – $1,200+ depending on location and foot traffic.

Factors that Impact the Price of Insurance Premiums

Setting and acuity (trauma, cardiac, OB, pediatrics increase rates).
Employment model (independent contractors carry more personal exposure than W-2 staff).
Procedural mix/volume (frequency of neuraxial and regional blocks, advanced airways).
Claims history and documentation quality (loss-free credits vs. surcharges).
State legal climate and required limits (urban and high-verdict venues trend higher).
Policy form choices (occurrence costs more but avoids tail; claims-made + tail can be more efficient across a career).

⬆ Back to contents

High-Risk Procedures and their Impact on your Premiums

The items below rarely “void” coverage for qualified CRNAs, but they do move you into higher rating tiers, require endorsements, or lead to larger deductibles. Strong credentials, competency logs, and checklist-driven protocols help keep premiums in check.

Procedure / Practice	Why It’s Higher Risk	Controls Required	Insurance Impact
Obstetric anesthesia (labor epidurals, urgent C-sections)	Time critical; maternal/fetal compromise; difficult airways	24/7 response, hemorrhage pathways, informed consent templates	+25–40% PL; may require OB-specific credentialing
Cardiac anesthesia	Unstable hemodynamics; high-severity losses	TEE/advanced monitoring credentials, perfusion protocols	+30–50% PL; some carriers add sub-limits
Trauma/emergency cases	Rapid sequence induction, limited history, bleeding risk	Airway carts, RSI checklists, post-event debriefing	+20–35% PL for high volumes
Pediatric and neonatal anesthesia	Small airways; dosing sensitivity; high verdict potential	Peds credentials, weight-based dose double-checks	+25–45% PL; specialty endorsement preferred
Regional and neuraxial blocks (spinal, epidural, peripheral)	Hematoma, nerve injury, infection, LAST	Anticoagulation protocols, sterile technique, lipid rescue on hand	+20–30% PL if large share of caseload
Office-based anesthesia	Variable equipment, staffing, and transfer readiness	Facility accreditation, crash cart, transfer agreements	+15–30% PL; GL may also rise for premises exposure
Independent/locum practice across multiple sites	Inconsistent protocols; credentialing and handoff variations	Verified privileges, site checklists, documentation standards	+10–25% PL; endorsements for multi-site practice

⬆ Back to contents

Other types of Insurance Nurse Anesthetists may need

Homewood can often combine different different types of coverage into one policy.

General Liability Insurance

General Liability covers medical expenses and attorney fees which result from bodily injuries and property damage that your facility or organization could be legally responsible for.

Professional Liability Insurance

Also known as malpractice insurance, this protects facilities against claims related to malpractice, negligence, or injury resulting from treatment. Individual CRNAs will typically be covered by professional liability insurance.

Sexual Abuse and Molestation Insurance

Provides coverage for you against claims arising from alleged sexual misconduct or molestation by an employee or other representative of your organization.

Commercial Property Insurance

This protects your organization against damage or loss to your buildings, equipment, and other property, which can happen as the result of various risks such as fire, theft, or vandalism.

Workers’ Compensation Insurance

Workers’ Compensation Insurance is usually mandated by law. It protects medical organzations in case of work-related injuries or illnesses.

Cyber Liability Insurance

Covers you against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online system to fix vulnerabilities as part of this policy.

Why Work With Homewood

Coverage tuned to your exact role—employed, 1099, locums, single-site or multi-facility.
Access to nearly 100 carriers so we can place OB/cardiac/trauma and office-based risks without gaps.
Help comparing claims-made vs. occurrence, prior-acts, and tail—so job changes don’t leave you exposed.
Fast endorsements for neuraxial/regional blocks, office-based anesthesia, and multi-state practice.
Clear, client-friendly explanations—no dense jargon; you always know what is and isn’t covered.

Call 947-274-3093 or Fill Out the Form

Ralph Schiller

Ralph specializes in sourcing the most suitable insurance for Nurse Anesthetists at the best price. You can call him or fill out the form and he will get your message directly.