Nurse Practitioners professional liability insurance

As a nurse practitioner, you play a pivotal role in patient care, bridging the gap between nursing and medical services with expertise and compassion. However, with your advanced responsibilities comes a unique set of risks—whether diagnosing conditions, prescribing medications, or performing procedures independently.

Liability insurance is essential protection for nurse practitioners, safeguarding you from the financial risks associated with potential malpractice claims or allegations of negligence.

This specialized coverage allows you to focus on providing quality care to your patients, confident that you’re protected from the legal and financial challenges that can arise in your profession.

Professional Liability Insurance for Nurse Practitioners can include:

Covers diagnosis, treatment, prescribing, and patient management errors.
Protection for allegations of failure to diagnose, delayed referral, or medication mismanagement.
Applies to primary care, urgent care, behavioral health, women’s health, and specialty practices.
Includes liability for charting errors, scope-of-practice disputes, and independent practice exposure.
Limits up to $1M per claim / $3M aggregate; tail and retroactive coverage available.

More information

Why is Malpractice Insurance for Nurse Practitioners essential?

Nurse Practitioners (NPs) provide frontline medical care in a variety of clinical environments and often serve as primary providers. Their broad scope—from assessment and diagnosis to prescribing and patient education—exposes them to significant professional liability risk.. Here are the key areas where nurses are vulnerable to being sued for malpractice:

NPs diagnose, prescribe, and manage patient care—making them legally responsible for treatment outcomes just like physicians..
Increased Autonomy = Increased Exposure: With full practice authority in many states, NPs face direct liability for patient harm or treatment errors without physician oversight.
Common Allegations Include: Misdiagnosis, medication errors, delayed referral, improper documentation, and failure to follow up—any of which can lead to lawsuits..
Employed? You Still Need Protection: Employer policies may not fully cover your role, especially for scope-of-practice disputes, license defense, or part-time/telehealth work.
License Protection Matters: A malpractice policy can include legal defense in board investigations or disciplinary actions—even when no lawsuit is filed.
Career Flexibility Requires Portability: Personal malpractice insurance follows you across jobs, telemedicine platforms, contract work, or volunteer missions.
Peace of Mind to Practice Fully: With coverage in place, NPs can focus on patient care without fear that a claim will derail their career or finances.

Westwood Insurance Group works with a number of different insurance companies to source the most suitable insurance coverage at the best price.

Fill out the form now for a Quick Quote.

Covers diagnostic errors, including missed or delayed diagnoses leading to adverse outcomes.
Legal defense for prescribing mistakes, drug interactions, or failure to monitor medication effects.
Protection for failure to refer, delayed specialist consultation, or inappropriate treatment plans.
Applies to NPs in family practice, pediatrics, women’s health, psychiatry, geriatrics, internal medicine, urgent care, and more.
Includes claims arising from documentation issues, improper charting, or informed consent disputes.
Optional coverage for telemedicine, home visits, mobile care, or multistate practice under compact licensure.
Supports independent NPs, those employed by physicians or clinics, and contracted providers in corporate wellness, retail clinics, or concierge medicine.
Coverage limits up to $1,000,000 per claim / $3,000,000 aggregate are available, with tail coverage, prior acts coverage, and customizable terms for full- or part-time practice