Frequently Asked Question:

Do nurse practitioners and physician assistants need their own malpractice insurance?

Insurance Type
Related Industries
Healthcare Services
Applied Behavioral Analysis (ABA) Providers
Related Coverages
Medical Malpractice
General Liability

The Short Answer

If you’re covered under an employer’s policy, you may not need one. Many NPs and PAs buy an individual policy anyway for coverage outside work and protection the employer’s policy doesn’t give.

The Full Answer

NPs and PAs are named in lawsuits on their own, not just alongside a supervising physician. As scope-of-practice rules expand in many states, so does that exposure.

An individual policy follows you, not the job. It can cover per diem shifts, volunteer work and telehealth, and it usually includes licensing board defense, which matters because board complaints are more common than lawsuits.

Individual policies for NPs and PAs generally cost far less than physician coverage. If you practice independently or own a clinic, you’ll need your own policy plus entity coverage for the practice.

Related Questions

Only a few states require it by statute. In practice, nearly every hospital, health system and many payers require it before you can work or bill.

Usually, while you’re employed there and acting within your job duties. It typically does not cover moonlighting, volunteer work, or claims filed after you leave.

It depends mostly on your specialty and state. High-risk surgical specialties pay many times what primary care or psychiatry pays, and rates in some states run far above others.

Contact Us

More questions? Talk to an Expert

Contact Liberty to work with an expert that can answer all your questions.