Malpractice Insurance for NY Nurse Practitioners

You're part of a medical team that can diagnose, treat and prescribe to patients, so you're more vulnerable to the threat of a malpractice suit. NSO malpractice insurance can help you have a financially stable future.

Employer-provided coverage may not be enough.

NSO malpractice insurance for Nurse Practitioners in New York is tailored to the increased risk of your professional responsibilities, yet priced at an affordable rate.

Policy features:

Covers you, up to $1 Million each claim, for amounts up to your limits of liability that you become legally obligated to pay as a result of a professional liability claim arising out of a medical incident. Covers you, up to $6 Million aggregate, for all covered claims arising during the policy period.
Insures you, up to the applicable limit of liability, for amounts you’re legally obligated to pay as a result of covered claims involving acts of sexual misconduct related to professional services.
During the policy period, coverage is in force 24/7. You're covered for incidents that occur on the job and after hours as well. Your coverage remains in force even if you change jobs or during a period of unemployment.
Covers you regardless of when a claim is filed, provided the policy was in force at the time the covered medical incident occurred.
An attorney will be provided to represent you personally when we find it necessary. Legal fees will be paid for covered claims, in addition to your liability limits - WIN or LOSE.
Insurance coverage is available worldwide, provided claim is brought against you in the United States, its territories and possessions, Puerto Rico, or Canada.
More than 600,000 nursing professionals are already covered by the Professional Liability Insurance Program offered through NSO. Our insurance representatives have the knowledge and experience to help you.
Professional Liability Insurance coverage through NSO provides you with a broad package of benefits at a truly affordable group rate. It's a straightforward approach to professional liability coverage. And, it's coverage that works!
If you are retired but maintain an active license, you may qualify for a 50% discount with reduced coverages.
If you attend a qualified risk management course, a 10% non-cumulative credit will be applied to your annual premium for up to three years. The course must be 6 contact hours in a subject related to the insured's area of specialization. You must provide a certificate of attendance indicating the course name, number of hours and course date. The course must have been completed within 12 months of the date of application. A discount is guaranteed for three years, but the base premium is subject to change.
You're covered, up to $1 Million aggregate (depending on the limits you choose), for liability damages for covered claims resulting from incidents at your residence that are unrelated to your work.
Reimburses you up to $25,000 aggregate for lost wages and covered expenses incurred when you attend a required trial, hearing or proceeding as a defendant in a covered claim, subject to $1,000 daily limit.
Reimburses you up to $25,000 aggregate, up to $10,000 per proceeding for defense of your license or disciplinary charges and other covered expenses arising out of a covered incident.
Insures you, up to the applicable limits of liability, against covered claims arising from allegations of slander, libel, assault and battery, and other alleged personal injuries arising through the performance of your professional services.
Pays up to $100,000 aggregate, up to $25,000 per person, for reimbursement of medical expenses incurred by others injured at your residence or business premises as a result of a covered incident.
If you are assaulted at work or while commuting to or from your workplace, this coverage will reimburse you, up to $25,000 aggregate, for your covered medical expenses, including emotional counseling, or reimburse you for damage to your property.
Pays up to $10,000 aggregate for unintentional damage caused accidentally by you to property of others at your residence or workplace.
You will be reimbursed for expenses you incur in rendering first aid to others up to $10,000 aggregate.
Pays up to $10,000 aggregate for attorney fees as a result of your required appearance at a deposition that arises out of a covered claim for professional services.
This program is written by American Causality Company of Reading, Pennsylvania.
Nurses Services Organization is a trademark name for Affinity Insurance Services.

Frequently Asked Questions

You have questions. We have answers. (It's why we're here.)

Why do I need an individual professional liability policy? Won't my employer's insurance policy cover me?

Professional liability insurance help safeguards you against allegations of malpractice. While your employer may provide coverage for you, it may not be enough to cover you in all cases. Your employer's policy is designed to preserve the employers' needs and interests first.

I'm starting my own company. Do you have a policy that will cover my company for malpractice?

Yes. NSO offers professional liability insurance to nursing firms, providing many of the same coverages our individual program offers. Our coverage can be tailored to meet the specific needs of your firm. Get more information on our affordable liability coverage for nursing firms.

I work for several different employers. Will that affect my coverage or rate?

Not necessarily. The rate you pay is based on whether you are an individual or a business. If you're an individual, it also depends on whether you receive a W2 or 1099 tax form. Talk with a NSO representative for more information.

There are plenty more where those came from.

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