Wisconsin 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
Wisconsin
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 Wisconsin?
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
Wisconsin
Do nurse practitioners in Wisconsin have to carry malpractice insurance?
Wisconsin: Coverage required or structured by law. APNPs who prescribe must maintain coverage consistent with ch. 655/N 8; many carry $1M/$3M (Wis. Stat. ch. 441; Wis. Admin. Code N 8).
What liability limits do NPs in Wisconsin usually choose?
Wisconsin: Typical NP limits are $1,000,000 per claim / $3,000,000 aggregate. APNPs align with ch. 655/N 8 in practice; $1M/$3M is common (Wis. Stat. ch. 441; Wis. Admin. Code N 8).
Can NPs in Wisconsin prescribe medications (including controlled substances)?
Wisconsin: Reduced practice (collaboration required) - prescribing allowed with DEA (and state CS registration where required).. Reference (Wis. Stat. ch. 441; Wis. Admin. Code N 8)
Do NPs in Wisconsin practice independently or need a collaborating physician?
Wisconsin: 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 (Wis. Stat. ch. 441; Wis. Admin. Code N 8).
Are there special documentation or telehealth considerations for NPs in Wisconsin?
As of 2025: Wisconsin permits NP telehealth when you are authorized to practice in the state and you meet the in?person standard of care. Chart identity/location, consent type, technology used, clinical findings, medical decision?making, prescriptions sent, and PDMP review when required.
Wisconsin DSPS - APNP - https://dsps.wi.gov/Pages/BoardsCouncils/Nursing/AdvancedPracticeNursePrescriber/Default.aspx
How much does nurse practitioner malpractice insurance cost in Wisconsin?
In Wisconsin, 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
Wisconsin
Specific Laws and Regulations
Advanced Practice Nurse Prescribers (APNP) must meet N 8 requirements for certification and prescriptive practice. As a Nurse Practitioner in Wisconsin, verify specifics with the state Board links included below.
APNPs prescribing controlled substances must follow N 8.02 and related provisions for prescription orders and recordkeeping. As a Nurse Practitioner in Wisconsin, verify specifics with the state Board links included below.
CE: 16 contact hours in clinical pharmacology/therapeutics each biennium for APNPs (N 8.08(1)(b)). As a Nurse Practitioner in Wisconsin, 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