Nurse Practitioner Malpractice Insurance After a Claim
Last updated: October 15, 2025
Reviewed by: Licensed Insurance Producer (Jeff Schmidt)
Quick answer: If you’re a nurse practitioner with a prior malpractice claim or a non-renewal, you’re often ineligible for instant quotes—but you can still get covered through manual underwriting. The fastest path is to submit five years of loss runs, a concise claim explanation letter, and your policy details to a trusted insurance broker specializing in NP liability insurance. Typical review time is 5–7 business days, after which you’ll see tailored options.
NP malpractice insurance after a claim: why instant portals decline
Most instant-quote portals are built for clean histories. Automated rules often decline for:
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A paid or reserved claim within the past five years
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Multiple claims within a short period
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An open board complaint or disciplinary action
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Recent non-renewal due to claims or eligibility changes
Why this page exists: CarePro specializes in nurse practitioner malpractice insurance after a claim. Manual underwriting lets a human underwriter evaluate context—your specialty, setting, protocols, remediation steps, and time since the event.
How manual underwriting works for NPs with claims
Step 1: Gather loss runs and claims history
Underwriters typically want five years of loss runs (or since first policy inception). Loss runs show dates, reserves, paid amounts, and the status of any claims.
Step 2: Draft a clear claim explanation letter
Keep it 1–2 pages:
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What happened and your role
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Patient outcome and current status (open vs. closed)
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Protocols at the time and what changed after
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Supervision/collaboration details (if applicable)
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Training, CME, and corrective actions taken
Step 3: Submit your file for review
We package loss runs, explanation letter, expiring policy info, and any board correspondence for a human underwriter to review. Most reviews complete in 5–7 business days once documentation is complete.
Step 4: Compare options and bind
If eligible, you’ll see coverage options (limits, occurrence vs. claims-made, deductibles, tail choices). We guide you through binding and issuing certificates.
NP insurance after non-renewal: what to do now
A non-renewal doesn’t mean you can’t be insured; it usually means you no longer fit automated eligibility.
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Save the non-renewal notice and reason codes.
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Request loss runs from your current/prior carrier(s).
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Draft your explanation letter (what happened and what changed).
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Submit for manual underwriting with a broker that places prior-claim NPs.
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Revisit occurrence vs. claims-made and tail strategy with our team.
Micro-CTA: Were you non-renewed? Request a Custom NP Quote
Sample premium ranges and what drives pricing
For nurse practitioners with prior claims, annual premiums generally fall in the $5,000–$10,000 range, depending on claim severity, frequency, and time since the event. Pricing can vary based on:
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Claim status: open claims and higher reserves trend higher
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Frequency and severity: multiple or high-severity losses increase price
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Time since claim: older, fully resolved claims often price better
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Practice profile: procedures performed, setting, and telehealth scope
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Policy structure: standard limits are $1,000,000 per claim / $3,000,000 aggregate; occurrence vs. claims-made, deductibles, and tail needs impact premium
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Important: Pricing examples are samples only; each situation is individually underwritten. Coverage and eligibility vary by carrier and state.
Occurrence vs. claims-made and tail coverage
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Occurrence covers incidents that happen during the policy period—even if reported later—so no tail is needed.
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Claims-made covers claims reported during the policy term; changing carriers or stopping practice often requires tail (extended reporting).
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After a claim, underwriters weigh whether tail is appropriate and how policy structure affects pricing and eligibility.
Instant quotes vs. manual underwriting (comparison)
Instant-quote
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Eligibility: clean history only
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Speed: minutes
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Docs: minimal
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Outcome: decline if prior claim/board issue
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Manual underwriting
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Eligibility: considers prior claims, non-renewals, board complaints
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Speed: 5–7 business days once docs are complete
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Docs: loss runs, explanation letter, policy details
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Outcome: tailored options, risk-matched pricing
Bottom line: If you have a prior claim or non-renewal, skip the portal loop and go manual.
Why choose CarePro for nurse practitioners with claims
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Prior-claim specialists: We place NP risks after claims, board complaints, and non-renewals.
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A-rated carriers: Options across multiple underwriters with human review.
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Speed and clarity: We coordinate loss runs, help refine your letter, and pre-answer common underwriter questions.
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Licensed in 50 states: We support multi-state and telehealth profiles.
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Transparent guidance: Clear timelines, requirements, and binding steps.
Frequently asked questions (NPs with claims)
Can I get NP malpractice insurance after a claim?
Yes. While instant portals typically decline, many carriers will consider prior claims through manual underwriting.
How do NPs get malpractice insurance after a non-renewal?
Request your loss runs, write a short explanation letter, and submit both with your policy details for manual review.
Do open claims or board complaints stop NP coverage?
Not necessarily. They’re considered in eligibility and pricing, but coverage may be available depending on context and documentation.
How long does manual underwriting take?
Usually 3–7 business days once documentation is complete.
Will my premium be much higher after a claim?
Premiums often fall in the $5,000–$10,000 range depending on severity, frequency, and other factors.
What do NP loss runs include?
Carrier-generated history showing dates, reserves, paid amounts, and status (open/closed) for reported incidents.
What limits should I choose?
Standard limits are $1M/$3M. Requirements can vary by state or employer contract.
Can I switch from an instant portal to manual underwriting with CarePro?
Yes. If a portal declines you, we’ll package your file for a human underwriter.
Is coverage available in every state?
Yes—options and pricing vary by carrier and state; each case is underwritten individually.
Do I need tail coverage if I change carriers?
If you’re on claims-made, we can often pick up your existing retroactive date. You typically need tail when your policy has cancelled or ceasing practice. We’ll help you evaluate.
Resources for nurse practitioners
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NP guides and articles: https://www.careproinsurance.com/blog/categories/nurse-practitioner-insurance
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Loss runs: Request five years from your current/prior insurer(s).
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Claim explanation letter: Keep it factual and concise; we can review before submission.