Insurance for Nurse Practitioners
Quick, affordable coverage starting from $45 p/month
Malpractice cover for negligence claims
Coverage for where you practice (clinics, hospitals, homes)
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Save Money
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Instant Coverage
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What does nurse practitioner insurance cover?
Nurse practitioner insurance helps protect you from the financial impact of claims arising from your professional services and day-to-day business activities.
Depending on the policy, coverage may include:
- Legal defense costs
- Settlements or damages
- Malpractice and negligence claims
- Third-party bodily injury
- Property damage
- Cyber breach response expenses
- Hired and non-owned auto
- Employee injury benefits under Workers’ Compensation (if you have employees)
Why do nurse practitioners need insurance?
Even when you follow professional standards and exercise reasonable care, mistakes, allegations of negligence, accidental property damage, or data breaches can still happen. Insurance can help protect your finances, career, and professional reputation when unexpected claims arise.
| Risk scenarios | Coverage benefits |
|---|---|
| Malpractice claim A patient alleges that a delayed diagnosis or treatment decision caused their condition to worsen. | Professional Liability Insurance can help cover legal defense costs, settlements, or damages arising from claims of negligence, errors, or omissions in the professional services you provide. |
| Property damage During a home visit or mobile consultation, you accidentally damage a patient’s expensive furniture. | General Liability Insurance can help cover legal costs and compensation if you’re held responsible for accidental damage to a third party’s property. |
| Cyber breach Your laptop containing patient records is stolen, exposing confidential health information. | Cyber Breach Response Services coverage can help with the costs of responding to a data breach, including notifying affected individuals and certain breach response expenses, subject to the policy terms. |
| Employee injury A medical assistant employed by your practice suffers a back injury while helping move clinical equipment. | Workers’ Compensation Insurance can help cover medical expenses, lost wages, and other benefits for employees who suffer work-related injuries or illnesses, where required by state law. |
| Office equipment damage A burst pipe damages your practice’s computers, medical supplies, and office equipment, interrupting your ability to see patients. | A Business Owner’s Policy (BOP) can help cover the cost to repair or replace damaged business property and may include Business Income coverage to help your practice recover from a covered loss. |
What types of insurance do nurse practitioners need?
BizInsure offers a combined Professional Liability and General Liability package tailored to suit the insurance needs of nurse practitioners, protecting against negligence and third-party claims.
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How much does nurse practitioner insurance cost?
Nurse practitioners pay $45 per month on average for a combined Professional & General Liability policy with BizInsure*.
Factors influencing cost
- Risks of the industry
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Get flexible coverage to match your needs
BizInsure offers high-limit coverage levels tailored to individual nurses or employed nurse practitioners with complex needs.
Factors influencing cost
- Risks of the industry
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Get flexible coverage to match your needs
BizInsure offers high-limit coverage levels tailored to individual nurses or employed nurse practitioners with complex needs.
Unsure how much to choose? Think about:
- Statutory professional requirements
- Coverage required by contracts
- Number of employees being covered
- Your contract value
- Worst case scenario claim size
Frequently asked questions
Most nurse practitioner Professional Liability insurance policies provide coverage regardless of where you practice, whether in multiple clinics, hospitals, or home health settings. However, it’s important to check that your policy explicitly includes coverage for all locations where you see patients.
Typically, individual Malpractice insurance covers you as the healthcare provider, not your company or employer. If your business itself requires protection, you may need a separate Business Liability or General Liability policy to cover your practice or employees.
Professional Liability insurance / Medical Malpractice insurance primarily covers you as an individual provider. If you own a practice with other clinicians, employees, or multiple locations, you may need additional coverage to protect your full practice operations.
Employer coverage is often limited to the scope of your work for that employer. Individual liability ensures you’re protected for:
Work performed outside your employer’s setting.
Gaps in employer coverage or policy limits.
Defense in lawsuits if your employer’s insurance refuses or if you leave the company.
Having your own policy gives you continuous protection and peace of mind.
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