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Nurse Practitioner Malpractice Insurance
Specialized Malpractice Insurance for Nurse Practitioners
Coverage Built Around Your Practice
Nurse Practitioners are one of the fastest‑growing segments in healthcare, and with expanding autonomy comes increased liability exposure.
ETHOS Insurance Services provides specialized malpractice insurance for Nurse Practitioners, whether you practice independently, in collaboration, or within a group or hospital system.
Many NPs are covered by an employer policy, but that coverage is written to protect the employer first. Limits may be shared across the organization, coverage may not follow you to side work or telehealth shifts, and it may not include defense if a complaint is filed with your state board of nursing.
Coverage Designed Around Your Needs
- Affordable rates for NPs and PAs
- Coverage for independent and collaborative practice
- Prescriptive authority protection
- Diagnostic decision-making coverage
- Telehealth and virtual visit coverage
- APRN board investigation defense
- Part-time and full-time options
- Student NP coverage available
Common Risks We Cover
- Misdiagnosis in primary care settings
- Prescription errors and drug interactions
- Failure to refer to specialist
- Scope of practice violations
- Inadequate patient assessment
- Documentation and charting errors
- Failure to follow protocols
- Communication breakdown with supervising physicians
Common Questions
Many NPs carry an individual policy in addition to employer coverage. An individual policy protects your interests rather than the employer's, may include license defense for board complaints, and can cover work outside your main job, such as telehealth or per-diem shifts.
It depends on your specialty, state, practice setting, limits, and whether you practice independently. NP coverage is generally priced well below physician coverage, but independent practice and higher-risk specialties cost more.
Yes. In states that allow independent NP practice, you may need your own policy with higher limits, and if you own a practice, coverage for the business entity as well.
It can, but confirm it. Make sure your policy covers virtual visits and every state where your patients are located.
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