New York Nurse Practitioner Insurance

New York has some of the nation’s highest malpractice payouts—and independent practice rules that place full liability on you. This guide explains how much coverage NY NPs need, sample premiums, and how to bind a policy online in minutes.

Whether you practice in Manhattan or the Adirondacks, a single malpractice claim can put both your license and savings at risk. Protect yourself today with instant, A-rated coverage from CM&F—quoted right here on CarePro.

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Why Every New York NP Needs Tailored Liability Insurance

New York lets NPs practice independently after completing 3,600 clinical-practice hours; until then, a written agreement with a collaborating physician is mandatory.

Employer policies may cap legal defense or exclude moonlighting.
New York’s average malpractice settlement hovers around $440 k—well above the national mean.
Hospitals routinely ask for $1 M / $3 M proof before credentialing.

Although New York State does **not** mandate malpractice insurance for nurse practitioners, hospitals, telehealth platforms, and collaborating-physician agreements almost always require proof of coverage.

A personal policy:

Follows you if you change employers or add moonlighting gigs
Gives you **consent-to-settle** rights—critical in a high-verdict state
Meets typical NY facility limits of **$1,000,000 per claim / $3,000,000 aggregate**

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What Does NP Liability Insurance Cover in New York?

Your policy may include:

Professional Liability (Malpractice) – Alleged treatment errors or omissions
General Liability – Patient "trip and fall" injuries in your exam room
License Defense – Attorney fees if the New York DOH investigates you
HIPAA & Cyber Liability – Data breaches, ransomware, privacy violations
Telemedicine Coverage – Covers NY patients seen via video or phone

Sample New York Premiums**

Most NPs in NY pay $1,070–$2,100 annually if full time, part time ranges from $750 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 *will be* underwritten for your exact situation.

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New York Specific Laws & Requirements

No Statutory Insurance Mandate
NYSED does not compel NPs to carry malpractice insurance, but you remain personally liable for any claim.
Nurse Practitioner Modernization Act
After **3,600 hours** of collaborative practice, NPs may practice independently—without a physician’s coverage umbrella.
Hospital Credentialing Standards
Most NY facilities require at least **$1M / $3M** and proof of tail or prior acts when you onboard.
High Verdict Environment
The 2024 National Practitioner Data Bank shows NY in the top three for malpractice payouts; insurers price accordingly.

Frequently Asked Questions - New York

Do I still need a policy if my employer covers me?

Employer plans usually protect the facility first. Your own policy may follow you job-to-job and includes license-defense benefits.

Does corporate coverage protect moonlighting or telehealth?

Usually not. Most group policies exclude services done outside the W-2 role. A personal policy can cover extra moonlighting shifts or interstate telehealth (subject to state laws).

Are defense costs inside or outside my $1M limit?

Our policies place defense outside the liability limit, meaning legal fees do not erode the amount available for settlements.

Is malpractice insurance mandatory for NY NPs?
Legally no, but nearly every employer or privileging body requires it.

What limits satisfy most NY hospitals?
$1,000,000 per claim / $3,000,000 aggregate is the norm; some NYC systems request $2M / $4M.

Do I need tail coverage when I leave a job?
If you have a claims-made policy and your next carrier won’t offer prior acts back to your original retro date, you’ll need tail.