Professional Malpractice Insurance for Nurse Practitioners (NP)

What is Nurse Practitioner Malpractice Insurance?

Malpractice insurance for nurse practitioners protects nurse practitioners from medical malpractice lawsuits. 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 or freelance professional nursing duties. But the cost of any malpractice claims or settlement is not the only cost that should be covered by the best professional liability insurance policies. The cost to a nurse practitioner of merely defending against a malpractice lawsuit can be expected to run in 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.

Do Nurse Practitioners Need Their Own Malpractice Insurance?

Nurse practitioners are part of a professional medical team that can diagnose, treat or prescribe medication to patients. Accordingly, nurse practitioners can be 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, as nurse practitioner’s job responsibilities and associated risks have increased, with that added responsibility comes the need for comprehensive NP malpractice insurance. The best form of protection to avoid workplace risk is to have the proper nurse practitioner malpractice insurance.

CM&F

Why CM&F For Nurse Practitioner Insurance Coverage

Thousands of professionals have trusted us with their career, and it’s easy to see why. CM&F only partners with insurance carriers who carry the highest A.M. Best ratings in the market today!

For more than 25 years, CM&F Group has been protecting healthcare professionals from potentially damaging lawsuits that arise from malpractice claims. We are dedicated to protecting the livelihood of nurse practitioners across the US. The dedicated service professionals at CM&F will ensure that your career is protected by our industry-leading malpractice insurance. CM&F is a provider of nurse practitioner malpractice 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 for nurse practitioner groups, as well as other healthcare groups. So we know first hand that should a claim arise, unless the policy is YOUR OWN your interests could be viewed as secondary to the employer, clinic or office who owns the policy.

Your 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!

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What is the difference between malpractice insurance and 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 already been named in a lawsuit. At that point you are ALWAYS better off having your own individual liability protection to defend you against the 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. Millions of medical professionals purchase personal liability (malpractice) insurance protection in addition to what their employer provides. Coverage that is portable from job to job, protects your license and having control of your protection is ALWAYS the best option. CM&F offers both personal 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. We at CM&F always recommend you carry the highest level of liability protection which is $1,000,000 Per Claim. With that said we understand other factors impact this decision including cost, state regulations and many other issues. Call our team to discuss your options.

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