Florida Nurse Practitioner Malpractice Insurance
Professional Liability & Malpractice Coverage for Nurse Practitioners
Whether you practice in hospital medicine, primary care, aesthetics, or telehealth, this specific guide helps you choose the right malpractice coverage—quickly and confidently.
Professional Liability and Malpractice Insurance Built for Nurse Practitioners
NPs Need Tailored Liability Insurance
Florida
Why
State laws often do not mandate that Nurse Practitioners or APRNs carry malpractice insurance; however, hospitals, staffing firms, and collaborating-physician agreements often require it as a condition of privileging or employment.
Maintaining your own policy:
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Puts you first in any claim defense
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Follows you when you moonlight or change jobs
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Meets common facility standards (often $1M / $3M total limits) in state credentialing, even when not set by statute
How much does NP insurance cost in Florida?
Typical averages by NP risk class (full-time, experienced providers):
$201 - New Grad
$1,006 - N1 (e.g., dermatology; geriatrics; women’s health—no L&D):
$1,421 - N2 (psychiatric/mental health):
$1,838 - N3 (family medicine, urgent care, pediatrics):
$2,539 - N4 (cosmetic; OB/GYN incl. labor & delivery):
Sample rates only. Premium will be underwritten for your exact situation when using our Instant Online Quote portal.
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.
NP Insurance cost varies 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.
Nurse Practitioner FAQ's
Florida
Do nurse practitioners in Florida have to carry malpractice insurance?
Florida: Coverage required or structured by law. Autonomous APRNs must carry ? $100,000 per claim / $300,000 aggregate or a $350,000 LOC (Fla. Stat. Section 464.012; Section 464.0123). Non?autonomous APRNs follow employer bylaws.
What liability limits do NPs in Florida usually choose?
Florida: Typical NP limits are $1,000,000 per claim / $3,000,000 aggregate. Autonomous APRNs must carry ? $100,000/$300,000 or a $350,000 LOC (Fla. Stat. Section 464.012; Section 464.0123).
Can NPs in Florida prescribe medications (including controlled substances)?
Florida: Restricted practice (supervision/delegation required) - prescribing allowed with DEA (and state CS registration where required). Schedule II generally limited to a 7?day supply for acute pain (exceptions apply). Reference (Fla. Stat. Section 464.012; Section 464.0123)
Do NPs in Florida practice independently or need a collaborating physician?
Florida: Restricted practice (supervision/delegation required). Physician supervision or delegation is required for core elements of care; verify protocols and availability terms. Reference (Fla. Stat. Section 464.012; Section 464.0123).
Are there special documentation or telehealth considerations for NPs in Florida?
As of 2025: Out?of?state NPs can register with Florida to deliver telehealth to Florida patients (no separate full license), and you must document informed consent under state policy. Include: identity/location, consent, modality, pertinent positives/negatives, plan, any referrals/tests, and PDMP verification when prescribing CS. Primary authority: Fla. Stat. Section 456.47.
Florida Telehealth - FLHealthSource - https://www.flhealthsource.gov/telehealth/
How much does nurse practitioner malpractice insurance cost in Florida?
In Florida, typical NP malpractice premiums for $1M/$3M limits range from $201 to $2,539 per year. A new grad can be as low as $201. A specialty in dermatology, geriatrics or women's health (no labor & delivery) as low as $1,006 per year. A specialty in psychiatric or mental health as low as $1,421 per year. A specialty in family medicine, urgent care or pediatrics as low as $1,838 per year. A specialty in cosmetic, OB/GYN including labor and delivery as low as $2,539 per year. These are sample rates only; your premium will be underwritten based on specialty, hours, claims history, and policy form. Get instant online quotes: https://www.careproinsurance.com/instant-nurse-practitioner-liability-insurance-quotes
Florida
Specific Laws and Regulations
APRNs can register for Autonomous Practice after 3,000 supervised clinical hours within the last 5 years (plus other criteria). As a Nurse Practitioner in Florida, verify specifics with the state Board links included below.
Autonomous APRNs must meet financial responsibility and CE requirements and disclose autonomous status to new patients. As a Nurse Practitioner in Florida, verify specifics with the state Board links included below.
Council on APRN Autonomous Practice advises the Board on standards; autonomous scope excludes certain settings/specialties. As a Nurse Practitioner in Florida, verify specifics with the state Board links included below.
Autonomous APRNs register under F.S. 464.0123; renewal coincides with biennial licensure renewal.
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Helpful Links:
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Nurse Practitioner Malpractice Insurance: 21 Burning Questions Every NP Asks in 2025
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Affordable Nurse Practitioner Malpractice Insurance for New Graduates: What You Need to Know
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5 Common Myths About Nurse Practitioner Professional Liability Insurance (Debunked)
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Comprehensive Guide to Tail Coverage for Nurse Practitioners