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Michigan 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

Instant Quoting Portal

Profession

NPs Need Tailored Liability Insurance

Michigan

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

  • 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 Michigan?

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): 

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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

Michigan

Do nurse practitioners in Michigan have to carry malpractice insurance?

Michigan: No statewide NP mandate. Most Michigan employers/privileging bodies expect individual coverage-commonly $1,000,000 per claim / $3,000,000 aggregate. Confirm facility bylaws.

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What liability limits do NPs in Michigan usually choose?

Michigan: 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.

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Can NPs in Michigan prescribe medications (including controlled substances)?

Michigan: Restricted practice (supervision/delegation required) - prescribing allowed with DEA (and state CS registration where required)..

Do NPs in Michigan practice independently or need a collaborating physician?

Michigan: Restricted practice (supervision/delegation required). Physician supervision or delegation is required for core elements of care; verify protocols and availability terms.

Are there special documentation or telehealth considerations for NPs in Michigan?

As of 2025: Michigan permits NP telehealth when you are authorized to practice in the state and you meet the in?person standard of care. Include: identity/location, consent, modality, pertinent positives/negatives, plan, any referrals/tests, and PDMP verification when prescribing CS.

Michigan LARA - APRN - https://www.michigan.gov/lara/bureau-list/bpl/health/aprn

How much does nurse practitioner malpractice insurance cost in Michigan?

In Michigan, 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

Michigan

Specific Laws and Regulations

APRNs may prescribe non‑scheduled drugs and controlled substances per MCL 333.17211a (with conditions). As a Nurse Practitioner in Michigan, verify specifics with the state Board links included below.

APRNs require specialty certification under MCL 333.17201; Public Act 499 (2016) expanded authority. As a Nurse Practitioner in Michigan, verify specifics with the state Board links included below.

Refer to Board/legislative guidance for delegation and formulary specifics. As a Nurse Practitioner in Michigan, verify specifics with the state Board links included below.

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https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-333-17211a; https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-333-17201

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Proudly Covering

Michigan

NP's In:

  • Detroit
  • Grand Rapids
  • Warren
  • Sterling Heights
  • Ann Arbor
  • Lansing
  • Dearborn
  • Livonia
  • Westland
  • Troy
  • Farmington Hills
  • Kalamazoo
  • Wyoming
  • Southfield
  • Rochester Hills
  • and every city in between

Get Covered Today

Join thousands of 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 partnership with CM&F Group gives Nurse Practitioners access to A-rated carriers at competitive pricing.

Helpful Links:​

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