Insurance for Nurse Practitioners
- Tailored coverage for state licensed NPs
- Instant quote and immediate coverage
- Monthly coverage starts from $45
Comprehensive Nurse Practitioners Insurance
Nurse practitioners (NPs) provide important healthcare services, but their role also carries risks. Malpractice claims, negligence allegations, accidental property damage, and cyber breaches can happen during day-to-day work, and defending these claims can be costly, even if you are not at fault.
BizInsure makes it easy for nurse practitioners to find malpractice liability insurance and other coverage options to help protect themselves at work. Our coverage options and competitive rates are designed to match the needs and risks of the profession.
Our nurse practitioners’ insurance covers:
- Legal defense costs, including settlements or court expenses.
- Accidental injury to any person in your care, such as a fall during mobility assistance.
- Negligence, such as giving incorrect assistance or missing important care instructions.
- Property damage, to a client’s home or belongings.
- Abuse Allegations: including claims of physical or sexual misconduct, even if the allegations are unproven.
- Needlestick coverage, for Registered Nurses administering services they are licensed to perform in their state.
- Includes medication administration, covers if it is a Registered Nurse performing services they’re licensed to in their state
- Hired & Non-Owned Auto
- Regulatory proceedings
- Medical Billing E& O
- Vicarious liability
- Loss of personal information
- First aid coverage
BizInsure offers you custom-built professional and general liability insurance as a nurse practitioner to protect your livelihood, career, and reputation.
Why do nurse practitioners need insurance?
Nurse practitioners (NPs) provide essential healthcare services to patients. While this profession can be highly rewarding, it also comes with certain risks.
Malpractice lawsuits, negligence claims, accidental property damage, and cyber breaches are just some of the risks a nurse practitioner may face on the job. Defending yourself against these and other claims can be expensive, even if you are not at fault.
That’s why BizInsure provides tailored insurance options to nurse practitioners to help them protect their finances, career and professional reputation.
Malpractice Insurance for Nurse Practitioners
Nurse practitioners may consider different types of insurance to help protect themselves on the job.
Professional liability, known as malpractice insurance for nurses, protects against claims relating to your work including negligence, libel or slander even if you haven’t made a mistake.
Highlights
- Negligence or misconduct in daily responsibilities
- Breach of duty, such as failure to deliver services promised
Coverage levels:
- Up to $1 million per occurrence
- Up to $3 million in the aggregate
General liability insurance protects nurses against claims of patient injuries, property damage, associated medical costs, and advertising injury. For example, a patient slipping and injuring themselves while in your care.
Our General Liability insurance for nurses includes Products Liability and Completed Operations Liability coverage.
Coverage levels:
- Up to $1 million per occurrence
- Up to $3 million in the aggregate
Sexual and Physical Misconduct coverage
Abuse and molestation coverage protects nurses and home health providers against allegations of sexual molestation and physical abuse by patients and employees.
Coverage levels:
- Up to $100,000 per occurrence
- Up to $300,000 in the aggregate
Cyber Breach Response Services coverage
Cyber breach response insurance helps nurses and healthcare professionals notify clients if their information is accessed in a data breach.
Coverage levels:
- Up to 25,000 notified individuals in the aggregate
- Up to $100,000 in the aggregate
How much does malpractice insurance for nurse practitioner cost?
Nurse practitioners pay $45 per month on average for a combined Professional & General Liability policy with BizInsure.
However, the price of insurance depends on a variety of factors, such as the health services you provide, your qualifications and licenses, and annual business revenue.
Does Professional Liability insurance / Medical Malpractice insurance cover nurse practitioners who work in different locations?
Yes. 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.
Does nurse practitioners medical malpractice insurance cover my company?
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.
Does nurse practitioners medical malpractice insurance cover my entire practice?
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.
I’m covered by my employer. Why do I need individual liability as nurse practitioner?
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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