Nurse Practitioner Malpractice Insurance in Connecticut

Coverage for Connecticut nurse practitioners costs between $219 and $2437 per year as of 2026 for malpractice insurance, with new grads from $219. Connecticut is one of the few states that sets malpractice limits by law. Under CGS 20-94c, APRNs who provide direct patient care must carry at least $500,000 per occurrence and $1,500,000 aggregate. Letting that coverage lapse can cost you the right to practice.

Why Connecticut APRNs must meet statutory malpractice minimums

Under CGS 20-94c, Connecticut APRNs in direct patient care must keep professional liability coverage at statutory minimums, and the state can restrict your license if it lapses. That makes your renewal date as important as your license renewal.

Meets common facility standards (often $1M / $3M total limits) in state credentialing

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What Connecticut-compliant APRN coverage costs

Connecticut APRN sample rates by risk class, full-time:

As low as $219 for New Grads

~$1,095/year for N1 (e.g. dermatology; geriatrics; women's health - no L&D)

~$1,395/year for N2 (psychiatric/mental health)

~$1,784/year for N3 (family medicine, urgent care, pediatrics)

~$2,437/year for N4 (cosmetic; OB/GYN incl. labor & delivery)

Connecticut samples only; your premium is set when the portal underwrites your specialty and claims history.
New-Grad Discounts Available for full-time coverage (typical schedule; may vary by state):
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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Connecticut APRN FAQs

What malpractice limits does Connecticut require for APRNs?

At least $500,000 per person per occurrence and $1,500,000 aggregate for APRNs providing direct patient care, under CGS 20-94c.

When can a Connecticut APRN practice without physician collaboration?

After holding the license at least three years and practicing in collaboration with a physician for at least three years and 2,000 hours, with written notice to DPH first.

How many CE hours does a Connecticut APRN need?

50 contact hours every 24 months, including 5 in pharmacotherapeutics and one hour each in several required topics such as risk management and substance abuse.

https://portal.ct.gov/dph/practitioner-licensing--investigations/aprn/continuing-education

What happens if a Connecticut APRN lets malpractice coverage lapse?

The state may restrict, suspend, revoke or limit your right to practice under CGS 19a-17.

https://portal.ct.gov/dph/practitioner-licensing--investigations/aprn/aprn-professional-liability-insurance-requirements

Is Connecticut part of the Nurse Licensure Compact?

Yes. Connecticut implemented the compact on October 1, 2025, for RN licenses. APRN licenses are still issued by Connecticut.

Source: Connecticut Department of Public Health, APRN licensing: https://portal.ct.gov/dph/practitioner-licensing--investigations/aprn/aprn-professional-liability-insurance-requirements

How much does nurse practitioner malpractice insurance cost in Connecticut?

Connecticut requires direct-care APRNs to carry coverage, and the sample limits below exceed the statutory minimum. 2026 samples: $219 for new grads, $1095 to $2437 a year for experienced classes at $1M/$3M limits. Get your instant quote online.

Connecticut APRN statutes

Insurance requirement: Under Section 20-94c of the Connecticut General Statutes, licensed APRNs providing direct patient care must keep professional liability insurance, or other indemnity against malpractice, of at least $500,000 per person per occurrence and $1,500,000 aggregate. If you don't maintain it, the state can restrict, suspend, revoke or limit your right to practice under Section 19a-17 (Connecticut DPH).

Collaboration and independence: An APRN who has held the license at least three years, and practiced in collaboration with a physician for at least three years and 2,000 hours, may then practice alone or in collaboration (CGS 20-87a(b)(3)). In all settings, you may diagnose and treat, prescribe, dispense and administer therapeutics, and dispense professional samples. You must keep documentation of the collaborative years and hours.

Notice before independent practice: Before you start practicing without physician collaboration, you must send the Department of Public Health written notice of your intent. DPH publishes an annual roster of APRNs practicing not in collaboration with a physician.

CE and compact: Renewal requires 50 contact hours of CE in the preceding 24 months, including at least 5 hours in pharmacotherapeutics. You also need at least one hour each on infectious diseases including HIV, risk management, sexual assault, domestic violence, cultural competency, and substance abuse including controlled substance prescribing and pain management. Add two hours on veterans' mental health in your first renewal period and at least every six years after. Keep CE records for three years. Connecticut implemented the Nurse Licensure Compact on October 1, 2025, for RN licenses.

https://portal.ct.gov/dph/practitioner-licensing--investigations/aprn/aprn-professional-liability-insurance-requirements; https://portal.ct.gov/dph/practitioner-licensing--investigations/aprn/aprns-practicing-not-in-collaboration-with-a-licensed-physician; https://portal.ct.gov/dph/practitioner-licensing--investigations/aprn/continuing-education