As of March 31, 2014 all nurses are required to obtain professional liability coverage.

• A. All nurses are required to obtain coverage
• B. Coverage is voluntary and optional
• C. CNO endorses a provider
• D. Coverage is only required for those with multiple employers

Answer: (A)

Professional liability coverage is mandatory for nurses to practice, ensuring both patient protection and financial protection for the nurse in case of claims or lawsuits. As of that date, regulators require every nurse to carry this coverage, so the rule applies to all practitioners regardless of their specific work situation.

The correct statement reflects that universality—that coverage is required for all nurses, not optional. The idea that coverage is voluntary contradicts the regulatory requirement. The notion that the regulator endorses a single provider isn’t how this works—the requirement is about having coverage, not about which insurer is chosen. And requiring coverage only for those with multiple employers isn’t accurate—the mandate applies broadly, not just for multiple-employer situations.