Nurse Practitioner (NP) Malpractice Insurance

What is Nurse Practitioner Malpractice Insurance?

Malpractice insurance for nurse practitioners protects NPs in the event of a medical malpractice lawsuit. Also called professional liability insurance, NP malpractice insurance policies protect nurse practitioners against legal claims arising from real (or alleged) errors, omissions or negligence that may arise from their professional full-time, part-time or contract nursing duties. But the cost of a malpractice judgement or settlement is not the only cost that should be covered by the best professional liability insurance policies. The mere cost of defending against a malpractice lawsuit can be expected to run into the tens of thousands of dollars. That defense cost, or the cost of defending against a Board of Nursing (BON) complaint, should be covered by the nurse practitioner malpractice insurance policy.

Nurse Practitioner in Healthcare Setting

Not having NP malpractice insurance leads to risk of personal damage to assets, career, finances

Do Nurse Practitioners Need Their Own Malpractice Insurance?

Nurse practitioners are part of a professional medical team that can diagnose, treat, and in many states, prescribe medication to patients. Nurse practitioners’ increasing autonomy can make an NP more vulnerable to the threat of a direct malpractice lawsuit or from being included in a lawsuit directed at another medical professional in their team. As a result, with such added responsibility comes the need for comprehensive NP malpractice insurance. Given the increasing risk, the best form of protection is to own an individual malpractice insurance policy – in the NP’s own name.

Benefits of CM&F Nurse Practitioner (NP) Malpractice Insurance Coverage

  • Coverage Options up to $2 Million per Claim
  • Full Consent to Settle Claims
  • License Defense Coverage
  • Sexual Misconduct Defense
  • General Liability Available
  • Defense Costs in Addition to Liability Limits
  • HIPAA Defense Coverage
  • Telemedicine Coverage
  • 24/7 Portable Coverage That Covers You Everywhere You Go, Even in Volunteer or Contracted Work Assignments

Will My Malpractice Insurance Cover Telemedicine?

NP professional liability insurance through CM&F includes telemedicine malpractice insurance coverage, as long as you are providing services within your scope of practice according to relevant laws in your state.

With telemedicine becoming more and more prevalent, better understood, and in-demand by patients, CM&F recognizes the importance of telemedicine malpractice insurance. There is no additional cost for telemedicine malpractice coverage. If you have any questions, or would like further clarification, please consult your policy details or reach out to us.

Telemedicine Provider treating patient - providers should have malpractice insurance for telemedicine services

Why Buy Nurse Practitioner Insurance Coverage From CM&F?

Thousands of professionals have trusted us with their careers for over a century and it’s easy to understand why. CM&F only partners with insurance carriers who carry the highest A.M. Best ratings for financial stability!

For more than 70 years, CM&F Group has been protecting healthcare professionals from potentially damaging lawsuits that arise from malpractice claims. CM&F is committed to protecting the livelihood of NPs across the US. CM&F’s dedicated customer service professionals will help you understand the best choices for your professional needs and ensure that your career is protected by an industry-leading malpractice insurance policy. CM&F is a provider of nurse practitioner liability insurance that is affordable and tailored to cover your professional risk with coverage options as high as $2 million per claim.

We provide employer liability insurance to nurse practitioner groups, as well as other healthcare groups, so we know first hand that should a claim arise, unless the policy is IN YOUR OWN NAME, your interests could be viewed as secondary to the employer, clinic or office who owns the policy.

Your personal policy with CM&F is portable, going wherever you go, even when you switch jobs, so you always know you’re covered. Select your profession from our directory or contact us for more information!

Looking for Liability Insurance?

Getting a NP malpractice insurance quote is easy. Answer the online questionnaire to see your individual NP liability coverage options customized to your needs and the associated premium cost.

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What is the difference between malpractice insurance and professional liability insurance?

These terms are both interchangeable. Malpractice insurance is a liability insurance specifically designed to protect medical professionals.

Does having my own individual professional liability insurance policy make me a more likely target for a lawsuit?

Absolutely not. In fact your insurance status is not discovered until you have been named in a lawsuit. At that point you are ALWAYS better off having your own individual liability protection to defend you against any allegations.

Does my employer’s professional liability insurance cover me?

Most employers do provide some level of malpractice insurance for their employees. The only way to know for certain is to ask for a certificate of insurance every year to confirm that you are a "named insured." Millions of medical professionals purchase personal professional liability insurance, also known as medical malpractice insurance, protection in addition to what their employer provides. Coverage that is portable from job to job, protects your license, your personal assets and financial future is ALWAYS the best option. CM&F offers both individual liability insurance and group liability insurance.

I’m starting my own company. Do you have a policy that will cover my company for malpractice?

Absolutely. We have liability coverage for individuals, sole-proprietors, clinics, schools and groups. Get in touch with us to discuss your needs.

What limit of liability does CM&F recommend?

The liability limits depend on a number of factors and is a very personal decision. Though we offer policy limits up to $2,000,000 per claim, we typically recommend that liability protection of $1,000,000. With that said, we understand the many factors that impact this choice, including cost and state regulations. Call our team to discuss your options.

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