Nurse Practitioner Malpractice Insurance

Specialized Protection for Independent and Collaborative Practice

As a Nurse Practitioner (NP), you deliver high-quality care across specialties—often autonomously or in collaboration with physicians. That clinical authority comes with increasing liability exposure. Whether you’re prescribing medications, diagnosing patients, or managing chronic conditions, even a single malpractice claim can jeopardize your license, reputation, and income. Heffernan Insurance Brokers helps NPs secure tailored malpractice insurance that aligns with your scope of practice, employment arrangement, and state regulations.

What Is Malpractice Insurance for Nurse Practitioners?

Malpractice insurance for Nurse Practitioners is a type of professional liability coverage that protects NPs from claims of medical negligence, errors in treatment, or failure to diagnose. This coverage is essential whether you work in a hospital, private practice, telehealth setting, or own your own clinic.

Covered services may include:

• Diagnosing and treating acute or chronic conditions
• Prescribing medication
• Ordering and interpreting tests
• Performing minor procedures
• Providing patient education and follow-up care

Even when care is appropriate, patients or families may pursue legal action if outcomes are unfavorable. Malpractice insurance helps cover defense costs, settlements, and associated damages.

Who Needs NP Malpractice Insurance?

• Independent Nurse Practitioners operating in their own practice or LLC
• NPs working under collaborative or supervisory agreements with physicians
• Locum tenens and contract NPs
• NPs employed by urgent care centers, specialty clinics, or telemedicine platforms

If you’re not covered by your employer’s policy—or if you need broader protection for moonlighting, side work, or tail coverage—a standalone policy is essential.

What Does NP Malpractice Insurance Cover?

Typical policy features include:

• Coverage for alleged medical errors
• Defense costs and legal representation
• Licensing board complaint response
• HIPAA violation defense
• Informed consent and documentation issues
• Good Samaritan coverage (where applicable)

Optional or additional coverage may include:

• Tail coverage for claims-made policies
• Cyber liability (especially for telehealth)

General liability (slip-and-fall incidents at your clinic)