Comprehensive liability coverage designed specifically for NPs
As a nurse practitioner, your scope of practice continues to expand into new specialties and treatment areas. Whether you’re providing aesthetic injections, managing chronic disease, prescribing medications, or opening your own independent practice, you need malpractice insurance that understands the unique risks NPs face in today’s healthcare landscape.
We specialize in malpractice insurance for nurse practitioners across all practice settings and all 50 states.
Nurse practitioners operate with a broader scope of practice than registered nurses, which creates distinct liability exposures. You’re diagnosing conditions, prescribing medications, performing procedures, and managing patient care independently or collaboratively. Each of these responsibilities carries professional liability risk.
Traditional insurance companies often treat NPs as an afterthought, offering generic policies that don’t reflect your actual practice. We built our coverage specifically for nurse practitioners because we understand what you do and the risks you face.
Get your rate in minutes by entering your specialty, state, and practice details. No waiting weeks for a broker to call you back.
Stop working uninsured. If you need coverage today, we can get you protected with same-day policy issuance.
No massive annual premiums. Pay monthly to keep cash flow manageable, especially important for NPs starting their own practices.
Our team includes healthcare providers who understand collaborative practice agreements, state scope of practice laws, and the realities of NP practice.
We explain exactly what’s covered and what’s not. No surprise exclusions when you need to file a claim.
If you’re switching from a claims-made policy, we offer competitive tail coverage (extended reporting endorsements) to protect your past work.
Claims-Made vs. Occurrence Policies
We offer both policy types so you can choose what works best for your career stage and practice model.
Claims-made policies cover claims made during your active policy period. They’re typically more affordable upfront and work well if you’re staying with one practice long-term.
Occurrence policies cover incidents that happen during your policy period, even if the claim comes years later. They provide longer-term protection and eliminate the need for tail coverage when you change jobs or retire.
Claims-Made vs. Occurrence Policies
Choose coverage limits that match your risk exposure:
State-Specific Requirements
We understand that NP practice authority varies significantly by state. Our policies are tailored to meet your state’s specific requirements, whether you practice in a full practice authority state, reduced practice state, or restricted practice state.
Yes. Employer coverage protects the organization first, not you personally. If you’re named in a lawsuit, you need your own policy to ensure your interests are represented. Plus, many employers require you to carry your own coverage.
Side practices create significant exposure. Your employer’s policy won’t cover work you do outside their facility. You need a separate policy that specifically covers your aesthetic services.
If you’re licensed and practicing in multiple states (telehealth, travel assignments, border-area work), we can structure coverage for multi-state practice.
Your policy includes defense costs, which means we pay for your legal representation separate from your coverage limits. You’ll be assigned an attorney experienced in defending healthcare providers, and we guide you through the entire claims process.
Rates vary by state, specialty, and coverage limits, but most nurse practitioners pay between $800 and $2,500 annually. Aesthetic NPs and those doing higher-risk procedures typically pay toward the higher end. Primary care and wellness NPs often pay less.
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Protect your career, your patients, and your peace of mind with malpractice insurance built specifically for nurse practitioners.
