MALPRACTICE INSURANCE
Why do I need Malpractice Insurance?
If you treat patients—even with noninvasive or routine care—malpractice insurance is a must. It protects you if a patient claims injury, harm, or dissatisfaction due to your services. Legal defense, settlements, and court fees can get expensive, even when you’re not at fault. This insurance gives you peace of mind and helps you stay legally protected while focusing on patient care.
For self-employed providers like NPs, PAs, and RNs, malpractice coverage isn’t just smart—it’s often required. Most states expect you to carry it if you’re working independently. And if you’re under a supervising doctor, they’ll usually need to be added to your policy (at no extra cost) as part of the collaboration.
Costs can vary depending on the type of care you offer. For example, services like cosmetic injectables usually raise the premium, while general wellness or telehealth services may stay on the lower end. On average, nursing malpractice insurance for NPs and PAs ranges between $1,250 and $1,500 per year.
We help you find the best malpractice insurance for nurses, with coverage that fits your exact practice—nothing more, nothing less. Our team works with trusted carriers and gets you a per-occurrence quote in less than 24 hours, with no pressure to commit. You’ll walk away with clear options and full confidence in your coverage.
OVERVIEW OF MEDICAL MALPRACTICE INSURANCE
What is Medical Malpractice Insurance?
If you’re a healthcare professional working on your own or running a small clinic, medical malpractice insurance is something you absolutely need. It provides protection if a patient claims they were injured because of a mistake made while you were treating them.
This kind of insurance is not just for doctors—it’s also for nurses, nurse practitioners, physician assistants, and other licensed providers offering care or wellness services. Whether you’re offering Botox, hosting Botox parties, running a wellness clinic, or working in telehealth, having malpractice insurance for Botox parties helps protect you from expensive legal issues.
Who Needs It and Why?
Most states require independent providers to carry their own malpractice insurance, especially if they’re not working directly under a hospital or large healthcare system. Even if your services are routine or low-risk, a simple complaint can lead to a lawsuit—and legal fees alone can cost thousands.
We often help providers looking for nursing malpractice insurance or coverage for roles like PAs, RNs, or laser technicians. If you have a supervising doctor, they’ll usually need to be listed on your policy too, which is standard and easy to arrange.
How Much Does It Cost?
You’re probably wondering, how much is malpractice insurance? The cost can vary depending on what services you provide and where you’re located. For example, cosmetic treatments like injectables often raise the premium. But for many nurses and PAs, it’s usually between $1,200 and $1,500 per year.
We work with top-rated carriers to get you the best rates—fast. You’ll only pay for the coverage you truly need, and we’ll guide you in selecting the right policy based on your state and line of work.
If you’re worried about the cost or don’t know how to get malpractice insurance for nurses that works for you, we can help you find affordable coverage that fits your needs.
What Kind of Policy Do I Need?
There are two main types of policies:
- Claims-made: This only covers you if the policy is active when the claim is made.
- Occurrence-based: This covers you for anything that happened while the policy was active, even if the claim comes later.
We’ll help you understand the difference and choose what fits your setup best. If you’re based in the USA and want to work legally and safely, this is a must-have.
Let’s Get You Covered
You focus on your patients—we’ll help you with the paperwork. Whether you’re just getting started or switching from a group practice to self-employment, get the best malpractice insurance for nurse practitioners, backed by top-rated carriers.
Need malpractice insurance coverage in the USA that fits your budget and keeps you compliant? Let’s get your quote started.