Protect Yourself on Every Assignment

Most staffing agencies offer health insurance, but the quality and cost vary significantly. Some offer day-one coverage while others have a waiting period. Many agency health plans have higher premiums and narrower networks than employer-sponsored plans. Always review the plan details before signing a contract -- and consider whether marketplace or private insurance might be a better option for your situation.

Yes. While your agency carries a liability policy, that policy protects the agency first. If you are named individually in a lawsuit, the agency policy may not cover you adequately. Individual malpractice insurance (also called professional liability insurance) typically costs $100-200 per year and provides dedicated coverage with your own legal representation.

When your contract ends, your agency health insurance may end immediately or at the end of the month. Options for gap coverage include COBRA continuation (expensive but familiar), short-term health plans (more affordable but limited), marketplace plans (if you qualify for a Special Enrollment Period), or maintaining a separate marketplace plan year-round.

Your auto insurance should be registered in your home state (tax home state). Notify your insurer when you travel to a new state for an assignment -- most policies cover you nationwide but may need the garaging address updated. Some insurers are more travel-nurse-friendly than others. Progressive, GEICO, and State Farm are commonly recommended for their flexibility with address changes.