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

Generally yes. Workers’ compensation is required in most states once you have employees, and delivery drivers and setup crews face some of the highest injury exposure in a rental business.

Party rental insurance premiums are driven mainly by inventory value, annual rental revenue, delivery operations, and claims history. Liberty prices each program from your operation rather than a flat rate.

Yes, in most cases. Personal auto policies often limit or exclude vehicles used for business, so trucks and trailers that deliver rental inventory generally need commercial auto coverage.

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