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

Tail coverage, or an extended reporting endorsement, lets a claims-made policy keep responding to claims filed after the policy ends. You need it when you leave a claims-made policy without prior acts coverage from the next carrier.

Claims-made covers claims filed while your policy is active. Occurrence covers incidents that happened during the policy period, even if the claim comes years later.

Yes — restaurants process card payment data through point-of-sale systems daily, and a breach affecting customer payment information typically isn’t covered under general liability, which is why cyber liability is now considered standard for the industry.

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