North Carolina 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
North Carolina
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 North Carolina?
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
North Carolina
Do nurse practitioners in North Carolina have to carry malpractice insurance?
North Carolina: No statewide NP mandate. Most North Carolina 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 North Carolina usually choose?
North Carolina: 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 North Carolina prescribe medications (including controlled substances)?
North Carolina: Restricted practice (supervision/delegation required) - prescribing allowed with DEA (and state CS registration where required).. Reference (G.S. 90?18.2; 21 NCAC 36 .0800)
Do NPs in North Carolina practice independently or need a collaborating physician?
North Carolina: Restricted practice (supervision/delegation required). Physician supervision or delegation is required for core elements of care; verify protocols and availability terms. Reference (G.S. 90?18.2; 21 NCAC 36 .0800).
Are there special documentation or telehealth considerations for NPs in North Carolina?
As of 2025: Keep a written telehealth protocol aligned with your practice agreement and document PDMP checks when controlled substances are involved. Include: identity/location, consent, modality, pertinent positives/negatives, plan, any referrals/tests, and PDMP verification when prescribing CS. Primary authority: 21 NCAC 36 .0224; .0810.
North Carolina Board of Nursing - Telehealth Guidelines - https://www.ncbon.com/licensure-listing-telehealth-guidelines
How much does nurse practitioner malpractice insurance cost in North Carolina?
In North Carolina, 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
North Carolina
Specific Laws and Regulations
NPs must register a primary supervising physician and maintain a Collaborative Practice Agreement (CPA). As a Nurse Practitioner in North Carolina, verify specifics with the state Board links included below.
Quality Improvement meetings required monthly for first 6 months, then at least every 6 months. As a Nurse Practitioner in North Carolina, verify specifics with the state Board links included below.
NC Medical Board rules (Subchapter 32M) define supervision and CPA content. As a Nurse Practitioner in North Carolina, 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