Nurse Practitioner (NP) Insurance

A nurse practitioner checks a patient's IV.
Choose from the nation's best insurance providers
Logos of Insureon's business insurance carrier partners

Why do nurse practitioners need business insurance?

NPs take on additional responsibilities, which means increased risk. Your employer's coverage may be limited—and you may also want protection from your employer, who could sue you to recoup legal fees. Business insurance pays for malpractice claims and provides peace of mind.

A nurse practitioner speaks with a patient.
Compare insurance quotes icon

Get same-day insurance

With Insureon, nurse practitioners can get insurance coverage the same day they apply for quotes.

Fill out our easy online application to compare quotes from top-rated providers.

What types of insurance do nurse practitioners need?

These insurance policies cover common risks faced by nurse practitioners.

Medical malpractice icon

Professional liability / medical malpractice

Medical malpractice insurance for nurse practitioners covers attorney's fees and other expenses related to professional negligence, such as an incorrect diagnosis. It’s also called professional liability coverage.

  • Misinterpretation of test results
  • Professional errors and omissions
  • First aid provided outside of work
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for businesses that have employees. It also protects nurses who work independently from work-related medical bills that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Legal defense costs
Business owner’s policy icon

Business owner’s policy

A business owner's policy, or BOP, is a cost-effective way for NPs and other types of nurses to buy commercial property insurance and general liability insurance together.

  • Slip-and-fall accidents
  • Damaged patient property
  • Stolen or damaged business property
General liability insurance icon

General liability insurance

A general liability policy covers the cost of common third-party accidents, such as a patient who slips and suffers an injury at your practice. It's often required for a commercial lease.

  • Bodily injuries
  • Damaged patient property
  • Libel and other personal injuries
Cyber insurance icon

Cyber insurance

This policy helps nurse practitioners pay costs associated with data breaches and cyberattacks. It can often be added to a business owner's policy or general liability policy for savings.

  • Customer notification costs
  • Data breach investigations
  • HIPAA data breach fines
Commercial auto insurance icon

Commercial auto insurance

Most states require commercial auto insurance for vehicles owned by an NP's business. It helps cover the cost of accidents involving your business vehicle.

  • Damage caused by your vehicle
  • Medical bills from an auto accident
  • Vehicle theft and vandalism
Looking for different coverage? See more policies.

How much does business insurance cost for medical professionals?

A healthcare worker calculating insurance costs.

A small healthcare clinic will pay less for insurance than a larger business.

Factors that affect premiums include:

  • Professional services and scope of practice
  • Medical equipment and property
  • Business income
  • Years of experience
  • Types of insurance purchased
  • Aggregate and per-occurrence policy limits
View Costs

How do I get insurance for nurse practitioners?

It's easy to get malpractice coverage and other insurance products if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance plan for nurses, caregivers, and other healthcare providers, whether you work independently or hire employees.

Verified business insurance reviews

Hear from customers like you who purchased small business insurance.

FAQs about nurse practitioner insurance

Do nurse practitioners need a malpractice insurance policy?

Nurse practitioners take on a wide variety of roles and responsibilities for patient care, which makes medical malpractice insurance an essential part of risk management. If you're sued for negligence, it can help cover your legal costs, including any judgment or settlement.

Some states even require that nurses carry this coverage, which is also called a professional liability insurance policy. For example, advanced practice registered nurses (APRNs) in Florida must carry malpractice insurance, but it's not required in New York.

Even when it's not required by state law, the healthcare facility where you work likely requires this coverage. And when your employer does provide coverage, it may be limited to certain types of work, which is why you might need your own policy.

Whether you are a family nurse practitioner (FNP) or a pediatric nurse practitioner (PNP), it's possible for all NPs to find affordable insurance with Insureon. You can compare quotes from different providers, and choose insurance options with a lower premium. Fill out our easy online application to get started.

What specific types of malpractice coverage should NPs carry?

There are several malpractice coverages that you may want to consider, depending on the type of work you do:

Consult a licensed insurance agent to find out about any exclusions or to add other types of coverage to your policy.

Find insurance quotes for nurse practitioners
Save money by comparing insurance quotes from multiple carriers.