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Illinois Nurse Practitioner Insurance

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Illinois malpractice verdicts run high, and full-practice authority means you—not a physician—carry the liability. This guide shows Illinois NPs the coverage limits, sample prices, and state facts you need to practice with confidence.

Why Illinois NPs Need Tailored Liability Insurance

Illinois law does **not** mandate malpractice insurance for advanced practice registered nurses (APRNs), yet most hospitals, staffing firms, and collaborating-physician contracts do.

 

A dedicated policy:

  • Travels with you as you switch employers or moonlight  

  • Gives you **consent-to-settle** rights—crucial in a no-cap state  

  • Meets the common facility standard of **$1,000,000 / $3,000,000**

What Does NP Liability Insurance Cover in New York?

Your policy may include:

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  • Professional Liability (Malpractice) – Alleged treatment errors or omissions

  • General Liability –  Patient injuries on your premises

  • License Defense – Attorney fees if the Illinois Department of Financial & Professional Regulation (IDFPR) investigates you  

  • HIPAA & Cyber Liability – Data breaches, ransomware, privacy fines

  • Telemedicine Coverage – Covers Illinois patients you treat virtually

How Much Does NP Insurance Cost in Illinois?

 

Claims-Made (Year 1): $650 - $1,400 annually

Occurrence Form: $1,100 - $1,900 annually

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Pricing is dependent 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 *will be* underwritten for your exact situation.

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Illinois Specific Laws & Requirements

  • No Statutory Insurance Mandate  
    Illinois statutes do not require APRNs to carry malpractice insurance, but you remain personally liable for any claim.
     

  • Full-Practice Authority (FPA) Rule  
    After **4,000 hours** of collaborative practice and national certification, an APRN can practice independently—without relying on a physician’s policy.
     

  • No Damage Caps
    The Illinois Supreme Court struck down non-economic damage caps, so verdicts can exceed $4 million—raising premium pressure.
     

  • Closed-Claim Reporting
    Insurers must file paid claims ≥$50 k with the Illinois Department of Insurance, making claims history part of public record.

FAQ's from Illinois Nurse Practitioners

Is malpractice insurance mandatory for IL NPs?

Legally no, but nearly every credentialing agreement demands proof of coverage.

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What limits satisfy most Illinois hospitals?

$1,000,000 per claim / $3,000,000 aggregate is the norm; some Chicago systems request $2M / $4M.

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Do I need tail coverage when I leave a job?

If you carry a claims-made policy and your new carrier won’t extend prior acts, yes. Occurrence policies don’t require tail.

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Covering NP's Across Illinois

We help NPs across the state, including:

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  • Chicago

  • Aurora

  • Rockford

  • Springfield

  • Peoria

  • Naperville

  • Champaign

  • Joliet

  • Bloomington

  • all 102 counties statewide

Get Covered Today

Join thousands of Illinois NPs who trust us for fast, affordable protection.

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✔ Online quotes
✔ Top-rated carriers
✔ Instant proof of coverage

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Our partner program gives IL Nurse Practitioners access to A-rated carriers at competitive pricing.

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