Florida Nurse Practitioner Insurance

Looking for nurse practitioner liability insurance in Florida? This page breaks down state-specific coverage considerations, sample pricing, and how to protect your license. Get insured online today—no memberships or waiting required.

Professional Liability and Malpractice Insurance Coverage Built for FL-Based Nurse Practitioners

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Why Florida NPs Need Tailored Liability Insurance

Being a nurse practitioner in Florida means more autonomy — and more responsibility. Whether you’re in private practice, a med spa, or a hospital setting, professional liability coverage isn’t optional. It’s protection for your license, your finances, and your future.

Quick fact: Florida law requires every APRN to prove *financial responsibility* of **$100,000 per claim / $300,000 aggregate**—most nurses meet that standard with a malpractice policy.

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What Does NP Liability Insurance Cover in Florida?

Your policy may include:

Professional Liability (Malpractice) – Patient related to treatment or care
General Liability – Slip and fall and premises injuries
License Defense – Attorney fees if the Board investigates you
HIPAA & Cyber Liability – Data breaches or ransomware events
Telemedicine Coverage – If you treat Florida residents remotely

How Much Does NP Insurance Cost in Florida?

Most NPs in Florida pay between $700–$1,400 annually depending on:

Specialty (e.g. primary care vs. aesthetics)
Claims-made vs occurrence form
Prior claims history
Hours worked

Note: These are sample rates. Your exact premium will depend on underwriting.

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Florida-Specific Laws & Requirements

California has some of the most unique and evolving rules around nurse practitioner practice:

**Financial-Responsibility Rule:**
Florida Board of Nursing requires APRNs to maintain **$100k / $300k** coverage or secure a letter of credit for the same amount.

**Exemptions:**
Certain public employees and federal facility providers can opt out, but most private-practice NPs cannot.

**Autonomous Practice Update (2023):**
Qualifying NPs may practice independently after 3,000 hours—but independence does **not** waive the financial-responsibility requirement.

**Telehealth Disclosure:**
Florida law mandates telehealth providers identify their credential and location on patient-facing materials. Make sure your policy schedules any out-of-state practice.

FAQs from Florida Nurse Practitioners

**1. Is malpractice insurance mandatory for all Florida NPs?**
Yes—unless you qualify for a narrow exemption, you must prove $100k / $300k financial responsibility.

**2. What limits do hospitals typically require?**
Most facilities ask for **$1M / $3M** to align with physician standards and MCARE gap coverage.

**3. Do I need tail coverage if I leave Florida?**
If you carry a claims-made policy and your new carrier won’t provide prior acts, buy tail to avoid gaps.