New Insurance Program For CRNA’s [transcript] [audio]

Guest: David Griffiths

Presenter: Neal Howard

Guest Bio: David Griffiths is Senior Vice President for the Healthcare division of Aon Affinity. David has overall responsibility for the malpractice insurance program for Nurses Service Organization. David is a licensed property and casualty insurance agent and has worked on the NSO medmal programs for the past 10 years. David’s works extensively on risk education often speaking at conferences on the topic of professional liability. David received his B.S. from the University of Maryland and his MBA from Moravian College.

Segment Overview: David Griffiths, a representative from the Nurses Services Organization (NSO) discusses the launch of a new professional liability insurance program for Certified Registered Nurse Anesthetists (CRNA).


Neal Howard: Hello welcome to the program. I’m your host Neal Howard here on Health Professional Radio. Glad that you could join us. Our guest is Mr. David Griffiths, a representative from Nurses Service Organization. David is here to talk with us today about the launch of a new professional liability insurance program. Welcome to the program David Griffiths.

David Griffiths: Thank you. Glad to be here.

N: We’ve spoken with your organization before. Talk about how you function there at NSO and what is it that you do there?

D: Certainly. I am responsible for the NSO Program. Nurses Service Organization started over 40 years ago offering insurance professional liability or malpractice insurance to nursing professionals. Then sometime later about 25 years ago or so, we expanded coverage and opened it up to a burgeoning class. It was nurse practitioners and the desire that, in need that the nurse practitioners had in their expanded nursing role to have coverage. This is really the offering that we’re now opening up for CRNAs is really the next expansion. If you sort of think about the nursing profession, you have your RN and then you have what’s called an advanced practice nurse or APN or APRN. There’s really four classes of a APRN. There’s practitioners being one of what I have just mentioned. Clinical nurse specialist is another which we also offer coverage for, then there’s the CRNA. That is the newest class that we were offering and then final one just around this out would be midwives and we’re working on something for that now.

N: Does participation require a membership in the NSO?

D: No. It really doesn’t. The coverage is really and it’s funny because a lot of our customers refer to themselves as members. If we’re at presenting at a conference or exhibiting, oftentimes we’ll have somebody come up and say, “Oh, I’m the member.”, but you really don’t have to be there. For the CRNA there really is a large national association and in the past, if you wanted to obtain malpractice coverage for yourself or for your practice and you wanted an admitted carrier which is the preferred carrier, you have to belong to national associations. With our coverage with NSO and our carrier CNA, you don’t need to be a member. We’ve sort of opened up the box, so to speak.

N: I assume that there’s a great deal of liability especially when you’re dealing with nurse practitioners. Is this coverage tailored toward each individual, their area of expertise or whether or not they belong to certain associations?

D: That’s a great question. Really, if we talk about their nurse practitioners, their role as you had alluded to has really expanded. It’s something that they have pushed for the nurse practitioners themselves and how there’s over 25 states that allow a nurse practitioner to practice at their educational level. They’re working independently in many states and while we have seen malpractice coverage in those states the need for it expands. Because as you would imagine, if they’re now opening up their own practice as opposed to working at a Family Practice, they now need their own coverage solely by themselves and may not have the ability to rely upon an employer’s coverage. Certainly the need for that has grown. If you sort of take that same thinking over to the nurse anesthetists’ world, many similarities you have nurse anesthetists who may work in a hospital, may work at specialty, miscellaneous facility or on their own opening up practices. There are a lot of similarities between the nurse practitioner as well as the nurse anesthetist. That being said, again, there are certain things like the nurse anesthetist is one of the differences in their policy is around consent to settle. When we were developing our product with our carriers NA, by the way CNA has over 15 years of experience covering nurse anesthetist. They were part of the national association and have just repartnered with us. Great news there, but the consent to settle was something that they were very confident in that. The nurse anesthetists wants to have that so it is a part of our practice, our policy practice. In addition to that, things like moonlighting and part-time which are activities that a nurse anesthetist may do more often than the nurse practitioner. We’ve also folded that those discounts into our policy as well. Those are just two of the highlights from a difference.

N: Can this coverage go with a professional as they advance in their advanced training? Say, if you’re on the path to becoming a CRNA but you’re not there yet, can this coverage morph with your career?

D: Absolutely. It is kind of funny because we will run across the nurse, nursing professional, nurse practitioner or CRNA who would take it. I had your coverage when I was in school. We do offer coverage for students whether you are doing your undergraduate for your nursing degree or you’re in school as SRNA (Student Registered Nurse Anesthetist) and we have covered this for you there. Once you graduate, we have professional policies. As a matter of fact even if you’re a student we offer coverage to the school. That’s a coverage that we do offer. If you’re an educator and you’re looking to have coverage for your students, let’s say while they’re doing clinicals, have a policy that will cover all the students plus the faculty. It’s something that we offer at a macro basis. Then if you’re professionally, you want to branch out on your own, our coverage policy is the same or whether you’re employed or self-employed. Then if you’re looking to start up your own practice, then we move you into what we call a business practice. We have over 25,000 healthcare businesses that we cover as well. Obviously not all CRNAs but that kind of what I’ll call it the student to firms, line of coverages that we offer.

N: Where can our listeners go online and learn more about NSO and more about this brand new liability insurance for CRNAs?

D: Our website does have a page specific to CRNAs and provides coverage details as well as a way if there is interest to get a quote. In addition, because we’re new to offering coverage to CRNAs, we’ve started to develop case studies. Again, the great news about having CNA as our partner is that they have been covering CRNAs for as much in over 15 years of the HAP cases and one-bar risk education. Activities that we work on is really around developing knowledge in the case of CRNAs and the case studies is a tool that we leverage for that. One of the things that we will often go out and do is to present at conferences or present at schools. We see that a lot of CRNAs, professionals really enjoy hearing the case studies and learning what others did and how then they can reduce their risk exposure. It’s a tool that we leverage as part of our package to CRNAs.

N: Sounds like win-win all across the board. Thank you for coming in today David. It’s a been a pleasure. Representative from the Nurses Services Organization, talking about a newly launched program for CRNAs. Thank you for talking with us today David.

D: Thank you. It’s a pleasure to be here.

N: You’ve been listening to Health Professional Radio. I’m your host Neal Howard. Transcripts and audio of this program are available at and also at

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