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

Yes — liquor liability requirements are based on whether a business serves alcohol for profit, not which type of alcohol it pours, so beer- and wine-only restaurants carry the same dram shop exposure as a full bar.

Often yes, but only if the illness resulted from an incident rather than an ongoing exclusion in the policy — most standard general liability policies cover bodily injury from a single contaminated batch or ingredient, subject to the policy’s terms.

Liberty does not currently insure inflatable equipment such as bounce houses. Liberty can discuss coverage for the rest of your rental inventory.

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