Is malpractice insurance mandatory for Georgia nurse practitioners?

Not by statute. Most hospitals, clinics, and collaborating-physician agreements in Georgia expect proof of coverage, commonly $1,000,000/$3,000,000.

What policy limits do Georgia facilities typically require?

Many credentialing programs expect $1,000,000 per claim / $3,000,000 aggregate (or higher in certain specialties). Always follow your contract language.

Do I need tail coverage when I change jobs?

If your policy is claims-made and your next carrier won’t cover prior acts, you likely need tail. Occurrence policies usually don’t require tail.

Georgia Nurse Practitioner Insurance

Q: What must a Georgia nurse protocol agreement include?

It must specify delegated acts, diagnostic studies, drug order/refill rules, and follow-up requirements, and it must meet Board criteria and be available on request.

(Professional & Malpractice Coverage for Georgia NPs)

Whether you work in hospital medicine, primary care, psych, aesthetics, or telehealth, this Georgia guide walks you through coverage essentials and how to get insured quickly.

Professional Liability and Malpractice Insurance Built for Georgia Nurse Practitioners

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Why Georgia NPs Need Tailored Liability Insurance

Georgia does not impose a universal malpractice-insurance mandate. In practice, hospitals, clinics, and protocol agreements with collaborating physicians often require proof of coverage (commonly $1M / $3M). Having your own policy ensures dedicated defense counsel, portability when you change jobs, and clarity on license-board defense.

Maintaining your own policy:

Puts you first in any claim defense
Follows you when you moonlight or change jobs
Meets common facility standards (often $1M / $3M total limits) in Georgia credentialing, even when not set by statute.

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What Does NP Liability Insurance Cover in Georgia?

Your policy may include:

Professional Liability (Malpractice) – Alleged errors, missed diagnoses, treatment claims
General Liability – Patient "trip and fall" injuries in your exam room
License Defense – Responding to Georgia Board of Nursing or Composite Medical Board inquiries
HIPAA & Cyber Liability – Data breaches, ransomware, privacy violations
Telemedicine Coverage – In-state telehealth; cross-border coverage subject to out-of-state licensure and policy terms

How Much Does NP Insurance Cost in Georgia?

Most NPs in Georgia pay $1,036 - $2,433 annually depending on:

* Full-time vs. part-time hours
* Claims-made vs. occurrence form
* Specialty risk (primary care vs. pain management vs. aesthetics)
* Prior claims history

**Note:** Rates may be underwritten for your exact situation.

Typical averages by NP risk class (full-time, experienced providers):

N1 (e.g., dermatology; geriatrics; women’s health—no L&D): ~$1,036/yr
N2 (psychiatric/mental health): ~$1,421/yr
N3 (family medicine, urgent care, pediatrics): ~$1,838/yr
N4 (cosmetic; OB/GYN incl. labor & delivery): ~$2,433/yr

New-Grad Discounts Available (typical schedule):
Year 1: 80% off → Year 2: 60% → Year 3: 40% → Year 4: 20%, then phases to standard rates in Year 5.

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Georgia-Specific Laws & Practice Rules (What NPs Ask Most)

Nurse Protocol Agreement (NPA) & Collaboration

GA NPs (APRNs) practice under a nurse protocol agreement with a delegating physician; prescriptive and diagnostic authority are delegated through this protocol and must follow specified criteria. GA Rules
Protocol registration with the Georgia Composite Medical Board is required; updates and fees handled via the Board’s portal. Georgia Composite Medical Board

Prescriptive Authority & Controlled Substances

APRN prescribing is delegated by the physician and governed by rule; protocols must address drug orders, refills, and follow-up. GA Rules
Schedule II change (effective July 1, 2024): Georgia amended O.C.G.A. § 43-34-25 to permit APRNs (and PAs) to prescribe specific Schedule II drugs (hydrocodone, oxycodone, or compounds) in emergency situations, subject to strict conditions spelled out in statute/protocol. Outside those conditions, the prior prohibition applies. Justia Law+2HunterMaclean+2
Older references still state a blanket prohibition on Schedule II; rely on the updated statute and current Board guidance when drafting your protocol. GA Rules

No Statewide Malpractice Mandate

Georgia does not require clinicians to carry malpractice insurance by law, but most facilities expect it (often $1M / $3M), and some credentialing programs specify minimums.

FAQs from Georgia Nurse Practitioners

1) Is malpractice insurance mandatory for Georgia NPs?
Not by statute; however, most facilities and collaborating physicians expect proof of coverage (often $1M / $3M). Check credentialing and your protocol agreement.

2) What limits satisfy most Georgia hospitals/clinics?
Commonly $1,000,000 per claim / $3,000,000 aggregate, with higher limits in certain high-risk settings. Always follow your contract language. medmaladvisors.com

3) Do I need tail if I leave a job?
If your policy is claims-made and your next carrier doesn’t cover prior acts, you’ll likely need a tail. Occurrence policies generally don’t require tail.

4) What must a Georgia nurse protocol agreement include?
Scope/setting, delegated medical acts, diagnostic studies you may order, drug order/refill rules, follow-up requirements, and more; it must meet Board criteria and be available on request. GA Rules

5) Can Georgia NPs prescribe controlled substances?
Yes, within delegation and protocol limits. Since July 1, 2024, Georgia permits limited Schedule II prescribing (hydrocodone/oxycodone or compounds) only in emergencies and only if statutory conditions are met. Schedules III–V remain protocol-governed. Justia Law+1

6) Do I need to register my protocol?
Yes. APRN Protocol Registration is handled through the Georgia Composite Medical Board portal, including updates and fees.