Liability Insurance for Nurse Practitioners
As a nurse practitioner, you carry a wide range of responsibilities in patient care. With that responsibility comes risk. Which is why having your own professional liability insurance, also known as malpractice insurance, is such a smart way to protect your career.
Proliability offers coverage designed specifically for nurse practitioners, with premiums* starting at $991 for employed Adult NPs and $1,190 for self-employed Adult NPs. We’re proud to be the only AANP-sponsored provider since 2008, and we’re also recognized by AAENP as a trusted resource for liability protection.
Read more about our risk management services and coverage details*.
Protect Your Practice and Your Reputation
Running a nurse practitioner practice means balancing patient care with the demands of running a business. Protecting your livelihood and professional reputation is essential. With recent changes in state immunity laws and the increasing complexity of healthcare, having dedicated nurse practitioner malpractice insurance is more important than ever.
Whether you practice independently, employ staff, or work with other providers, Proliability offers policies that support your role as both a clinician and business owner. Our coverage includes legal defense, licensing board reimbursement, HIPAA response, and deposition support. With this protection, you will have the legal and financial resources you need to manage risk with confidence, so you can focus on delivering care to your patients.
Learn more about the Indiana Patient Compensation Fund here.
How To Receive Your Certificate
Getting malpractice insurance through Proliability is quick and straightforward. Whether you are newly licensed or an experienced NP, our process is simple:
- Get a Quote: Answer a few questions about your role and practice setting to receive a personalized premium* estimate for your nurse practitioner insurance.
- Apply Online: Complete a short application. Most applicants are eligible for instant approval without extra paperwork.
- Receive Confirmation: Once approved, you’ll receive your professional liability insurance certificate.
That’s it. No long wait times, no hidden steps. Just reliable protection tailored to the way you practice.
Risk Management Services
Risk management and professional liability insurance go hand in hand. At Proliability, we recognize the importance of providing comprehensive risk management resources to our policyholders.
We have partnered with OmniSure Consulting Group, a risk management leader, to provide a host of risk management resources. Our active policyholders receive:
RiskFit® — a series of risk management content that allows you to test your knowledge on topics including self-assessment tools, sample policies and procedures, checklists, videos, podcasts, and articles.
Monthly Risk Reduction Tip — A monthly email sent to policyholders with quick tips and reminders on risk management topics. This email will usually contain a video or brief educational article that is quick to read and keeps you in the know and updated on important risk topics.
Advice-on-Demand — access to a toll-free phone and email helpline
Who Needs Nurse Practitioner Malpractice Insurance?
Whether you are just starting your career or running your own practice, having personal professional liability insurance gives you protection that goes beyond what your employer may provide. You may need individual nurse practitioner coverage if you:
- Work as an independent or self-employed nurse practitioner
- Take on contract, part-time, or PRN assignments
- Practice across multiple sites or states
- Are a recent graduate or student beginning clinical rotations
- Want added peace of mind that your license, reputation, and income are protected
Employer policies are typically written to safeguard the organization. Proliability’s nurse practitioner malpractice insurance is built to protect you.
With Proliability, you’re backed by the only AANP-endorsed plan since 2008 and trusted by nurse practitioners nationwide. That means you can move forward in your career with confidence, knowing your coverage is designed to protect both your practice and your peace of mind.
Employer Coverage vs. Individual Coverage Comparison
Employer-provided insurance may look sufficient at first glance, but it often leaves gaps.
Here’s how Proliability’s individual nurse practitioner insurance compares:
| Coverage Feature | Typical Employer Policy | Proliability Individual Policy |
|---|---|---|
| Legal defense attorney | Shared or employer-selected | Your own dedicated attorney |
| Covers board complaints | Rarely | Yes, up to $100,000 |
| Follows you job-to-job | No | Yes, fully portable |
| Covers moonlight and PRN | Often excluded | Yes, fully portable |
| HIPAA fines & penalties | Often not included | Up to $50,000 |
| Defense costs erode limits | Often yes | Paid in addition to limits |
| Covers telehealth and on-call support | Often excluded | Included |
Occurrence vs. Claims-Made: What’s the Difference?
Not all malpractice policies work the same way. Proliability offers occurrence-based coverage through Liberty Insurance Underwriters, which provides stronger long-term protection:
- Occurrence Policy: Covers claims for incidents that happen during your policy period, no matter when the claim is reported.
- Claims-Made Policy (used by some insurers): Only covers claims filed while the policy is active. Once you leave a job or switch providers, you may need to purchase costly “tail” coverage to stay protected.
With Proliability’s occurrence policy, you do not have to worry about purchasing tail coverage or tracking gaps. Your protection is built in from the start.
Contact Us
Program Administrator
Proliability
4050 114th Street
Urbandale, IA 50322
Phone
Hours
7:30 a.m. to 5:00 p.m. CT, M-F
General Questions
Service on an existing policy
Coverage Details
Limits — up to $1/6M
The main feature of the policy that covers you up to the limits on your declarations page that you become legally obligated to pay as a result of a professional liability claim arising out of a covered incident. Limits vary by profession up to $1 million per occurrence/$6 million aggregate. When you complete a quote, the available limits based on your profession and state will be provided.
Legal Representation — Legal fees paid in addition to the liability limits
The policy includes legal representation for covered incidents. This means you have an attorney assigned to you to represent your interests – not the interests of others such as your employer. The legal fees and expenses are in addition to your professional liability policy limits, which is a key benefit to you as this means legal fees and expenses do not erode your liability limits.
HIPAA Coverage — $50,000
Pays up to $50,000 for HIPAA fines, penalties and notification costs.
Licensing Board Reimbursement — $25,000 per incident/$100,000 per policy period
Covers up to $25,000 per incident/$100,000 per policy period for attorney fees or other expenses or fees from an investigation or proceedings from an entity responsible for regulating your profession. In most regulated professions, anyone can file a complaint against you such as your patient, patient’s family, your employer or coworker. If you’re employed, your employer may not reimburse you for investigations or proceedings.
Deposition Expense — $15,000 per policy period
Covers up to $15,000 aggregate for all reasonable fees, costs and expenses to represent you at a deposition which you are required to attend.
Wage Loss and Expense — $2,500 per day/$35,000 per policy period
Covers for lost wages, costs and expenses for your required attendance at a trial, hearing or arbitration proceeding as a defendant in a covered claim.
First Aid Reimbursement — $25,000 per policy period*
Covers up to $25,000 per policy for all medical related expenses for rendering first aid to others due to bodily injury.
* Coverage amounts may vary by business type
Medical Payments — $25,000 per person/$100,000 all persons
Covers up to $25,000 per person, up to $100,000 all persons for medical expenses incurred by others due to a bodily injury caused by an occurrence during the policy period.
Damage to Property of Others — $10,000
Covers up to $10,000 for damage to property of others caused by you during the policy period.
First Party Assault Coverage — $25,000 per policy period
Covers up to $25,000 per policy period for medical expenses or repair or replacement of personal property due to an assault at your workplace premises. Includes coverage for workplace violence events.
Media Expense Coverage - $2,500 per incident/ $10,000 per policy period
Up to $2,500 per incident/ $10,000 per policy period (Individual) or $5,000 per incident/$25,000 per policy period (Group Practice) for expenses incurred for claims involving published material on a website or social media.
Sexual Abuse/Molestation Coverage - $25,000 sub-limit
Provides up to $25,000 indemnity.
Occurrence Policy Form
Covers incidents that happen during your policy period regardless of when the claims are reported. All of the allied health and nursing policies through Liberty Insurance Underwriters are on occurrence policy forms.
Portable Coverage — Follows You 24/7
When you apply for individual coverage, the policy covers you for your professional services, including on and off the job, moonlighting and volunteering.
Optional Coverage Features
- Consulting and Educational Services Endorsement
- General Liability Insurance
- Additional Insured Endorsement
Coming Soon
- Supervising Professional Endorsement
- Medical Director Endorsement
Association Partners
Professional liability insurance policy is underwritten by Liberty Insurance Underwriters Inc., 175 Berkeley St., Boston, MA 02116.
*This is only a summary of insurance policy provisions offered in the program. Certain coverage benefits described herein may not be available in your state at the time of policy issuance, or may be available, but with differing terms and conditions. If any conflict exists between the benefits described herein and those contained in any actual policy issued, the terms and conditions of the issued policy prevail. Coverage is only bound upon underwriting acceptance. Applying and paying for coverage is not a guarantee of acceptance into the program.
Ready to Protect Your Career?
Whether you’re applying for the first time or renewing your current policy, Proliability makes it easy to stay protected. Get a quote today to secure liability insurance tailored to your role as a nurse practitioner.
