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Protect Your NP Practice & Peace of Mind

Get medical professional liability insurance designed specifically for nurse practitioners. With Leavitt Select Insurance Services, you can secure coverage that reflects the scope, risks, and responsibilities of advanced practice nursing.

  • Direct quote from TDC, the largest independent physician-owned company in the U.S.
  • Coverage tailored for independent APC providers
  • Confidential and cost-free

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Nationwide Coverage for Nurse Practitioners

Leavitt Select Insurance Services is licensed in all 50 states. Whether you are 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 APC, you are responsible for diagnosing conditions, prescribing medications, treating patients, and possibly performing advanced procedures. Even with the highest standard of care, mistakes or unexpected outcomes can lead to liability claims. Having professional liability insurance helps 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)
  • Nurse Midwives
  • Physician Assistants
  • Clinical Nurse Specialists

Whether you are:

  • Employed in a hospital, clinic, medical spa, 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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What to Consider When Choosing Insurance

  • Coverage limits
    Ensure the maximum payout is sufficient for your practice, especially in higher-risk procedures or specialty areas.
  • Claims-made vs. Occurrence policies
    Understand how each works and what fits your work situation.
  • Telehealth and remote or virtual care
    Make sure your policy includes coverage for this if you provide or plan to provide such services.
  • Prescriptive authority and collaborative practice
    If your NP role includes prescribing or working in collaborative/supervisory arrangements, check that these are covered.
  • Vicarious liability
    If you employ or supervise other clinicians (e.g., RNs, medical assistants, other NPs), make sure your policy covers legal responsibility for their actions when you are responsible.

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