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Nurse Practitioners Insurance

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Affordable Malpractice Insurance Designed for Nurse Practitioners

Protect your license, career, and peace of mind with coverage built specifically for NPs.

  • Free, direct quote
  • Coverage tailored for independent APC providers
  • Fast, no-hassle application

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Nationwide Coverage for Nurse Practitioners

Leavitt Select Insurance Services is licensed in all 50 states. Whether you're working in a clinic, hospital, telehealth, or independent practice, we’ve got you covered from coast to coast.

CA License #369712

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Why Nurse Practitioners Need Professional Liability Insurance

As a nurse practitioner, midwife, CRNA, or other advanced practice clinician, you are responsible for diagnosing conditions, prescribing medications, treating patients, and in some cases performing advanced procedures. Even when you provide the highest standard of care, unexpected outcomes or allegations can still lead to liability claims.

That’s why professional liability insurance is essential. Through our partnership with TDC Group, one of the nation’s leading providers of healthcare professional liability insurance, we offer coverage designed to help safeguard your finances, reputation, and practice.

What is NP Professional Liability Insurance?

Also known as medical malpractice insurance, this coverage offers you a second line of defense if a claim arises. It helps protect against legal and financial consequences stemming from:

  • Misdiagnosis or delayed diagnosis
  • Medication prescribing or administration errors
  • Advanced practice errors (e.g., suturing, procedures within NP scope)
  • Telehealth-related errors or omissions
  • Treatment complications

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Tailored Coverage Options for NPs and Other APCs

This program is designed for APCs including, but not limited to:

  • Nurse Practitioners (NPs)
  • Certified Registered Nurse Anesthetists (CRNAs)
  • Certified Nurse Midwives and Certified Midwives
  • Physician Assistants/Associates

Whether you are:

  • Employed in a hospital, clinic, or health system
  • Independent contractor or in private practice
  • Doing telehealth work
  • Working in high-liability areas (e.g. acute care, emergency, anesthesia)

We can customize your policy to match your role, work setting, and risk profile. Key coverage elements include:

  • General liability
  • Treatment and diagnostic errors
  • Prescriptive authority liability
  • Telehealth and remote patient care coverage
  • Attorney and court costs
  • Settlements, compensatory and punitive damages

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Does Your Insurance Cover You Fully?

Check Your Current Employer or Group Policy

You may already have some protection through your employer, hospital system, or healthcare group, but these often have coverage gaps. For example, they may not cover private telehealth services, independent contracts, or certain procedural duties.

Independent Contractors & Private Practice NPs

If you are working as an independent contractor, in your own clinic, or doing moonlighting work (e.g., telehealth, locum tenens), you must have your own liability policy. It ensures you are protected where employer or institutional policies may not apply.

State Requirements & Minimums for Nurse Practitioners

Liability requirements vary by state, especially when it comes to advanced practice laws, prescriptive authority, and supervision requirements. Some states require minimum liability insurance to get or keep your NP license; others have claim-assistance or reporting programs.

Check what your state mandates to ensure your policy meets legal standards.

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Key considerations for practice owners

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Coverage for you and your employees

If you employ other medical professionals, you should consider maintaining a vicarious liability insurance policy. This coverage can protect your practice against any actions or omissions of your employees.

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Additional Options for HIPAA Violations

You are liable for any damages caused by violations of HIPAA laws. However, these damages are not covered by medical malpractice insurance. You can read more about protecting your practice from cybercrime, one of the top risks leading to HIPPA violations.

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Frequently Asked Questions

  • Does malpractice insurance cover telehealth?

    It can, but only if your policy includes telehealth or remote care provisions. Coverage generally applies when you are licensed in the state where the patient is located. Always confirm that virtual visits, remote diagnosis, and prescribing are included.

  • What’s the difference between claims-made and occurrence coverage?

    Claims-made policies cover claims reported while the policy is active, while occurrence policies cover incidents that happen during the policy period, even if a claim is filed later. One of our advisors can help you choose the option that best fits your situation.

  • Does malpractice insurance include license defense?

    Many policies include coverage for license defense, helping pay legal fees if a complaint is filed with your state board of nursing, even if no lawsuit occurs.

  • What happens if I supervise other clinicians or students?

    Your policy can include supervisory or vicarious liability coverage, which may help protect you if a claim arises from the actions of clinicians or students you supervise.