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.