[marySanFranRN]

I am an independent contractor working at a physicians office in San Fran and have found allnurses.com to be a great informative site for all my questions. I know numerous nurses on this site have expressed their frustration in tying to obtain med/spa ins. especially if they are an independent contractor. I finally found a company so I wanted to pass it along to my fellow nurses. The site is Professional Program Insurance Brokerage/MediSpa Services/MediSpa Insurance I faxed in my application and had coverage in 48 hours.(Lloyds of London is who their carrier is)
Hope this saves you some research!
Good luck to all,

Mary

[nightingale]

Thanks Mary. The site looks helpful for all Aesthetic Nursing needs for liability Insurance.

Now to find something that is for the regular liability Insurance to compete with NSO. My rates, as an Independent Contractor, tripled to $ 300.00 annually.

[mttopmama]

Hi Nightngale,

I am in need of liability protection for multiple licenses.. current RN and soon to have Esthetician license. I have checked into NSO as well.They seem to have several descriptions for RN.. How is your business covered? As RN or with a speciality? I found the same price for RN listing ($300) but not available for ethetician.. Any help is appreciated.
Also do you have info on setting up business as a LLC, any pearls of wisdom you can share.

Thanks,
mttopmama

"There are only two ways to live your life. One is as though nothing is a miracle. The other is as though everything is a miracle." --A. Einstein

[sirI]

Hello, mttopmama,

I am not Nightngale, but am the moderator for the Entrepreneur forum and can answer your questions.

As you probably found out, NSO will not provide individual liability coverage for self-employed nurses (RN) who practice aesthetics. If you are employed with a physician, your coverage with NSO is for RN only.

The link above - you might call them and get a free quote via email. They will have to have exact information about what you will offer your clients. The number:

415.475.4300

And, check with your state to see exactly how this falls under your NPA.


As for LLC, you can check online, receive free quotes instantly, and after completing the required paperwork, become LLC. It takes about 30 days to do so. You might want to check with your attorney regarding this (LLC) to be certain this is what you need to do; the best move for you and your company.

Here is an online corporation and LLC formation service that is simple and quick as well as reputable. They also have a FAQ for LLC and how you can determine if is the correct formation for you.

http://www.legalfilings.com/

Incorporation is a big decision, but very important.

Should I incorporate my business?

BlueSuitMom.com: Money: Legal - Should I Incorporate My Business?

Good luck and I hope this has helped you.

[Tanya RN]

What are the rates like?

Originally Posted by marySanFranRN

I am an independent contractor working at a physicians office in San Fran and have found allnurses.com to be a great informative site for all my questions. I know numerous nurses on this site have expressed their frustration in tying to obtain med/spa ins. especially if they are an independent contractor. I finally found a company so I wanted to pass it along to my fellow nurses. The site is Professional Program Insurance Brokerage/MediSpa Services/MediSpa Insurance I faxed in my application and had coverage in 48 hours.(Lloyds of London is who their carrier is)
Hope this saves you some research!
Good luck to all,

Mary