As a traveling nurse, physical therapist, or mobile healthcare provider, your job takes you everywhere—but risk follows close behind. Whether you’re contracted through a staffing agency or working independently as a 1099 health professional, one thing is certain: you need the right insurance coverage to stay protected.
At Bunker, we specialize in helping mobile and freelance professionals secure insurance that checks all the boxes—compliance, affordability, speed, and peace of mind. In this guide, we break down the types of insurance traveling health professionals need, the risks you face, and how to get covered quickly so you never miss a contract opportunity.
Why Health Professionals Need Business Insurance
Healthcare is one of the most trusted professions—but it’s also one of the most legally complex. From malpractice exposure to property damage to contract compliance, working without insurance can put your career, clients, and finances at serious risk.
Whether you work in short-term hospital placements, private home visits, or rehab centers, many clients or facilities will require a Certificate of Insurance (COI) before you’re allowed on-site.
Common contract clauses include:
- Proof of professional liability or malpractice insurance
- General liability coverage for on-site visits
- Workers’ compensation if you hire assistants
- Cyber liability for telehealth or digital medical records
Top Insurance Policies for Traveling Nurses & Health Professionals
1. Professional Liability Insurance (Malpractice Insurance)
This is non-negotiable. It protects you if a patient claims your care caused them harm—even if it wasn’t your fault.
💡 Pro tip: Some contracts will specify minimum coverage limits (e.g., $1M per occurrence / $3M aggregate). Bunker makes it easy to match those requirements exactly.
2. General Liability Insurance
This covers non-medical risks like property damage (e.g., accidentally breaking equipment during a home visit) or someone slipping and falling during a consultation.
3. Workers’ Compensation Insurance
If you operate as a business and hire others (e.g., mobile phlebotomists or assistants), you may be required to carry workers’ comp—even as a freelancer.
4. Cyber Liability Insurance
If you use software for digital patient records, telehealth platforms, or payment portals, this protects you from data breaches, HIPAA violations, and related lawsuits.
5. Portable Equipment Coverage (Inland Marine Insurance)
Many traveling nurses use expensive portable medical equipment. This policy protects your tools (stethoscopes, diagnostic devices, etc.) if they’re lost, stolen, or damaged in transit.
How to Get a Certificate of Insurance (COI) Fast
Many facilities won’t let you begin work without a COI. At Bunker, we’ve made it simple:
✅ Get a quote in minutes
✅ Purchase the right policy for your contract
✅ Generate and send a COI instantly
Need to add a client as an Additional Insured or adjust policy limits mid-contract? You can handle it right in your Bunker dashboard—no back-and-forth with agents or waiting days for a PDF.
Why Traveling Health Pros Choose Bunker
We get it—you’re juggling tight schedules, licensing requirements, and compliance checklists. That’s why we built Bunker specifically for independent professionals like you. With Bunker, you get:
- Coverage tailored to your profession and state
- Flexible billing (monthly or annual)
- Instant COIs for any client
- A-rated carriers trusted in the healthcare space
- Live support when contracts get tricky
Conclusion: Don’t Let Insurance Slow Down Your Next Placement
Whether you’re working your next hospital rotation or visiting a patient’s home, insurance isn’t optional—it’s your foundation for success.
📍 Ready to get covered in minutes?
Start now at buildbunker.com
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