New York 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
New York
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 New York?
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
New York
Do nurse practitioners in New York have to carry malpractice insurance?
New York: No statewide NP mandate. Most New York 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 New York usually choose?
New York: 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 New York prescribe medications (including controlled substances)?
New York: Reduced practice (collaboration required) - prescribing allowed with DEA (and state CS registration where required). Schedules II-V permitted; collaboration/attestation varies by experience under Education Law. Reference (N.Y. Educ. Law Section 6902)
Do NPs in New York practice independently or need a collaborating physician?
New York: Reduced practice (collaboration required). A written collaboration agreement is required for at least one element of care (often prescribing); protocols/formularies must be followed. Reference (N.Y. Educ. Law Section 6902).
Are there special documentation or telehealth considerations for NPs in New York?
As of 2025: Define the originating and distant sites and capture consent; Medicaid recognizes multiple modalities under state telehealth policy. Record identity & location at start, confirm consent, note modality, summarize history/exam/findings, plan and orders, e?prescribing details, and PDMP if controlled meds. Primary authority: N.Y. Pub. Health Law Section 2999?cc & Section 2999?dd.
New York State Department of Health - Telehealth - https://www.health.ny.gov/health_care/telehealth/
How much does nurse practitioner malpractice insurance cost in New York?
In New York, 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
New York
Specific Laws and Regulations
NPs must have a written practice agreement and protocols with a collaborating physician until completing 3,600 qualifying hours. As a Nurse Practitioner in New York, verify specifics with the state Board links included below.
After 3,600 hours, experienced NPs may practice without a written practice agreement under 2022–2023 statutory changes. As a Nurse Practitioner in New York, verify specifics with the state Board links included below.
NY Education Law holds NPs independently responsible for diagnosis and treatment; physician supervision is not required. As a Nurse Practitioner in New York, verify specifics with the state Board links included below.
After 3,600 qualifying hours, NPs may practice without a written practice agreement; maintain scope and standards of Education Law. As a Nurse Practitioner in New York, verify specifics with the state Board links included below.
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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