Kentucky 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
Kentucky
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:
-
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 state credentialing, even when not set by statute
How much does NP insurance cost in Kentucky?
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
Kentucky
Do nurse practitioners in Kentucky have to carry malpractice insurance?
Kentucky: No statewide NP mandate. Most Kentucky employers/privileging bodies expect individual coverage-commonly $1,000,000 per claim / $3,000,000 aggregate. Confirm facility bylaws.
What liability limits do NPs in Kentucky usually choose?
Kentucky: Typical NP limits are $1,000,000 per claim / $3,000,000 aggregate. Some settings specify $500,000/$1,000,000 or $2,000,000/$4,000,000+ depending on procedures and bylaws.
Can NPs in Kentucky prescribe medications (including controlled substances)?
Kentucky: Reduced practice (collaboration required) - prescribing allowed with DEA (and state CS registration where required)..
Do NPs in Kentucky practice independently or need a collaborating physician?
Kentucky: Reduced practice (collaboration required). A written collaboration agreement is required for at least one element of care (often prescribing); protocols/formularies must be followed.
Are there special documentation or telehealth considerations for NPs in Kentucky?
As of 2025: KRS Section 211.336 sets telehealth standards-note patient identity/location, consent, and whether the visit was audio?video or audio?only. Include: identity/location, consent, modality, pertinent positives/negatives, plan, any referrals/tests, and PDMP verification when prescribing CS. Primary authority: KRS Section 211.336; 201 KAR 20:520.
Kentucky Board of Nursing - Telehealth - https://kbn.ky.gov/practice/Pages/Telehealth.aspx
How much does nurse practitioner malpractice insurance cost in Kentucky?
In Kentucky, 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
Kentucky
Specific Laws and Regulations
CAPA‑NS required to prescribe non‑scheduled legend drugs; CAPA‑CS required for controlled substances. As a Nurse Practitioner in Kentucky, verify specifics with the state Board links included below.
Use KBN Nurse Portal to request prescriptive authority (NS/CS); sample CAPA agreements published by KBN. As a Nurse Practitioner in Kentucky, verify specifics with the state Board links included below.
Scope and standards referenced in 201 KAR 20:057; facility policies may impose additional requirements. As a Nurse Practitioner in Kentucky, verify specifics with the state Board links included below.
Get Covered Today
Join thousands of NPs who trust us for fast, affordable protection.
✔ Online quotes
✔ Top-rated carriers
✔ Instant proof of coverage
Our partnership with CM&F Group gives Nurse Practitioners access to A-rated carriers at competitive pricing.
Helpful Links:
-
Nurse Practitioner Malpractice Insurance: 21 Burning Questions Every NP Asks in 2025
-
Affordable Nurse Practitioner Malpractice Insurance for New Graduates: What You Need to Know
-
5 Common Myths About Nurse Practitioner Professional Liability Insurance (Debunked)
-
Comprehensive Guide to Tail Coverage for Nurse Practitioners