Malpractice coverage for UofM nursing clinicals
UofM lists current professional malpractice insurance among its graduate clinical requirements and says LCON obtains and maintains the policy. You join a group policy billed through your student account each fall and spring, so UofM's requirement is met through the college rather than through a policy you arrange on your own.
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What UofM's documents say
The LCON Academic Bulletin for 2026-27 includes, among the requirements for MSN students, "Current professional malpractice insurance" at limits the bulletin spells out, "which is obtained and maintained by LCON." The 2026-27 graduate catalog says the same thing more briefly: the coverage comes through LCON.
The MSN Required Nursing Data Documents page fills in the mechanics. The bursar adds a group-policy charge to your student account in the spring and again in the fall, and that charge is what places you on the college's policy. We leave the limits and the charge to UofM's own documents; you will find them in the current bulletin and on your account statement.
Two phrases in the bulletin carry the weight. "Current" means the coverage has to be in force on every clinical day. "Maintained by LCON" means the college, not the student, keeps the policy going.
How the group policy reaches you
The first three steps rest on UofM's bulletin and its MSN documents page. Where UofM is silent, the last step says whom to ask.
- Enroll for the termCoverage runs through LCON, so staying enrolled comes first. MSN students are expected to register every fall and spring.
- The bursar posts the group-policy chargeUofM's documents page says the charge appears on your student account in the fall and in the spring.
- LCON holds the policyThe college obtains and maintains the coverage on its group policy, as the bulletin states.
- A site asks for proofIf a hospital or practice wants documentation of student coverage, ask your clinical faculty or the Office of Community Partnerships and Practice for it, since the college holds the policy.
Why older documents show different figures
If you come across an older UofM handbook, its numbers will not match today's. The MSN Student Handbook for 2020-21 set one aggregate limit for most tracks and a higher one for FNP students, while the current bulletin applies a single standard to every MSN student.
Treat the 2026-27 LCON Academic Bulletin as the governing source, and the bursar's charge on your account as the record that you are on the policy. When a preceptor's office or a site coordinator asks for limits, give them the current figures from the bulletin or documentation from LCON, never a number copied from an old PDF.
Quote coverage limits only from the current LCON Academic Bulletin; older UofM handbooks list figures that have since changed.
Coverage is one clearance among several
Malpractice coverage stands in for no other approval. The Office of Community Partnerships and Practice still has to sign off on your preceptor agreement form ahead of day one, the site still has to accept your onboarding, and clinical faculty still approve your schedule. See the preceptor agreement form.
Tennessee's rules point the same way. Board of Nursing Rule 1000-01-.11 puts nursing faculty in charge of every student clinical experience, preceptor-led ones included, and treats the preceptor as an adjunct to that faculty direction. UofM's bulletin backs this up: any clinical practice that clinical faculty have not approved in advance is grounds for dismissal from the course, so keep every clinical day inside the approved schedule.
Two related rules shape where you practice. Clinicals at the place you work need a compelling reason plus sign-off from faculty and program administration; see workplace clinicals. Your RN license also has to stay unrestricted in Tennessee or in the approved state where you do clinicals, as the RN license guide explains.
Summer terms, breaks and returning students
UofM's documents page describes the group-policy charge for fall and spring. If a practicum or residency of yours runs in a summer term, ask the Student Academic Coordinator for Graduate Programs how coverage applies that term before your first clinical day. Summer 2027 parts of term run from May 10 to August 5; the academic calendar guide lists them.
Time away calls for the same check. An MSN student who skips a fall or spring term files a readmission form, and two skipped terms in a row mean a fresh application. Since the charge is billed through your student account each term, confirm your coverage is active again before you return to clinical work, along with the new background check and drug screen the bulletin may require after a semester out.
When a preceptor or site asks about coverage
A practice taking a student for the first time may ask who carries liability coverage. The accurate answer from UofM's bulletin is that LCON obtains and maintains professional malpractice insurance for its MSN students. Point the practice to that requirement, and request any documentation it needs through your clinical faculty or the Office of Community Partnerships and Practice.
Health systems each run their own onboarding, and their lists vary. Baptist Memorial's graduate preceptorship application, for example, asks for the preceptors' names, the number of rotations, the school's faculty-advisor details and the program's preceptor guidelines. Having UofM's coverage wording ready alongside items like those keeps a new site's review moving.
How we prepare a site's paperwork
Whatever role UofM plays in your search, we locate a preceptor and clinical site close to home that fit its rules, then assemble what each approval needs: the preceptor's credentials and practice information for the agreement form, facts about the site, and your Complio and myClinicalExchange items in order.
When a practice asks about student coverage, the answer and the right UofM office are already in the packet, so the conversation stays on scheduling. Should a preceptor withdraw, a replacement follows, prepared the same way. Share your practicum details and the placement desk will begin with a site that fits your course.
Questions UofM students ask
Do UofM NP students need their own malpractice insurance?
UofM's requirement is met through the college. The bulletin describes the required coverage as obtained and maintained by LCON, and students join the group policy through a charge on their student account. If a site asks for anything beyond that, check with your clinical faculty before arranging extra coverage on your own.
What are UofM's malpractice limits for nursing students?
The current per-occurrence and aggregate limits are printed with the MSN requirements in the 2026-27 LCON Academic Bulletin. Older handbooks show different figures, and the 2020-21 edition treated FNP students differently from other tracks, so rely only on the current bulletin when a site or preceptor asks.
How is the malpractice charge billed at UofM?
Through the bursar. UofM's MSN Required Documents page says a group-policy charge is added to your student account in the spring and in the fall, and that charge keeps you on LCON's policy. The amount is set by UofM and shown on your account; ask the bursar's office if it is missing in a term with clinicals.
Does malpractice coverage let me start clinicals sooner?
No single clearance does. Coverage sits alongside an approved preceptor agreement form, site approval in myClinicalExchange, current Complio items and a clinical schedule approved by clinical faculty. A course's clinical hours also take at least seven weeks to complete, and university breaks are off the clinical calendar unless program faculty arrange otherwise.
Is malpractice coverage part of the Complio checklist?
It appears on the same graduate requirement list as your immunizations and background check, but the bulletin assigns this item to LCON, which obtains and maintains the policy. Your part is staying enrolled so the group-policy charge posts each fall and spring. If your Complio requirements show a coverage item, the Student Academic Coordinator for Graduate Programs can tell you what belongs there.
Related pages
Last checked 2026-09-27
We check these pages against UofM's 2026-27 catalog, the LCON Academic Bulletin, program pages and licensure disclosures. Your clinical faculty and your plan of study have the final word.
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