Malpractice Insurance for 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.

As a Nurse Practitioner, you have increased risk.

NSO malpractice insurance is tailored to the increased risk of your professional responsibilities, yet priced at an affordable rate.

Additional resources:

  • Infographic - Medical Malpractice 101: 
    • Learn more about why nurses are sued, the most common injuries resulting in lawsuits, the average payout by injury and more in this engaging infographic.
  • Infographic - Protecting Your Nursing License: 
    • According to the National Practitioner Data Bank, nursing professionals were on average 47 TIMES MORE likely to be involved in an adverse licensing action than a medical malpractice payment in 2020.* Understanding the process and how to protect your license is critical to maintaining your career.

Policy features:

(Read more if you work in New York or Florida)
  • Covers you, up to $1 million each claim, for amounts that you become legally obligated to pay as a result of a professional liability claim arising out of a covered medical incident.
  • Covers you, up to $6 million annual aggregate, for all covered claims during the policy period.
This coverage reimburses you, subject to the insurer’s approval, for costs to notify patients of a disclosure of confidential personal information in compliance with privacy protection laws. It also covers specified HIPAA fines and penalties that you become legally obligated to pay.
Violence in the workplace is a tragic reality. If you become the victim of a violent action at work or on your way to or from work, this coverage will reimburse you for your medical expenses, including workplace violence counseling, or reimburse you for damage to your property. (Not available in Texas.)
With your own individual coverage, you’ll have your own defense attorney designated by the insurer to represent you in court, when necessary. Covered legal fees in connection with a covered claim are in addition to your liability limits—WIN OR LOSE.
Coverage is available 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.
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 through the performance of your professional services.
Pays up to the applicable limit for reimbursement of medical expenses incurred by others injured at your residence or business premises as a result of a covered incident.
A professional liability insurance policy through NSO is portable, so you can take it with you wherever you go. Whether you have a second job, volunteer, move, or change jobs, your policy is there to help insure you.
Reimburses you for lost wages and covered expenses incurred when you are required to attend a trial, hearing, or proceeding as a defendant in a covered claim.
You can extend your professional liability insurance to cover non-surgical aesthetic procedures, including dermal fillers, laser hair removal, permanent cosmetics, collagen injections, microdermabrasion, Botox, and more. For more information on rates and details, please click here or call 1-888-273-4686.
Covers you for legal liability for covered claims resulting from incidents at your residence, unrelated to your work.
Pays for unintentional damage you cause to someone else's property while at your personal residence or your workplace.
Reimburses you for expenses you incur while rendering first aid to another person. For example, these expenses may include supplies from your personal first aid kit that you used to help a victim of an automobile accident.
Provided a claim is brought against you in the United States, its territories and possessions, Puerto Rico, or Canada.
A patient or client is injured at the facility where you work. You’re not named in the lawsuit, but you receive a subpoena for testimony. Your coverage through NSO will pay for attorney’s fees for an attorney designated by the insurer as a result of your required appearance at a deposition that arises out of professional services.
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.
By adding the Consulting Services Liability Endorsement to your professional liability policy, you'll be covered for lawsuits resulting from advice, testimony or consulting you provide as a licensed nursing professional. To learn more, click here.
Includes reimbursement for your defense of disciplinary charges and other covered expenses arising out of a covered incident if a complaint is brought against you before a state licensing board.
Premium financing is available through AFCO Insurance Premium Finance. Pay 15% of your total annual premium up front. The balance is divided into ten equal installments, with the first payment due in 30 days. Please call 1.800.247.1500 to apply. Finance charges do not apply to the initial down payment, just to the installment payments.

Frequently Asked Questions

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

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.

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.

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.

There are plenty more where those came from.

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