Yes — and here's why. Employer-provided coverage typically prioritizes the organization’s interests, not yours. These group policies often have shared limits, meaning the coverage is spread across multiple employees. They may also exclude coverage for moonlighting, telehealth, or volunteer work, and they rarely offer protection for licensing board investigations. Your own policy ensures you have dedicated, portable coverage that follows you regardless of your job.

• Professional liability insurance (a.k.a. malpractice insurance) covers claims related to medical services you provide — misdiagnoses, treatment errors, and other clinical issues.

• General liability insurance covers non-medical incidents like slip-and-fall accidents, property damage, or injuries that occur on your premises but are unrelated to your care.

For full protection, especially if you operate a private practice, you may need both.

Most nurse practitioners choose limits of $1,000,000 per claim / $3,000,000 aggregate per year, which meets or exceeds state and employer requirements in most areas. Higher-risk specialties (like psychiatric or OB/GYN NPs) may consider higher limits, such as $2M/$4M. Always verify with your state board and employer to avoid gaps.

Modern NP policies typically include telehealth and virtual visits by default — at no extra cost. However, always confirm this with your insurer and ensure your policy covers multi-state telehealth work if you're practicing across borders.

If you have a claims-made policy, then yes — unless your new policy includes prior acts coverage or you switch to an occurrence policy. Tail coverage protects you from future claims filed after your policy ends, as long as the incident occurred during the time you were covered.

Tail coverage is a one-time purchase and typically costs 1.5x–2x your annual premium.

Absolutely. Many insurers offer discounted part-time rates if you work under a certain threshold — usually around 20 hours per week. These policies offer the same robust protection but at a lower price point for part-time professionals.

Yes. Independent contractors are not usually covered by the facility or agency they work for — and even if they are, it’s often insufficient. As a 1099 provider, it’s your responsibility to carry your own professional liability insurance to ensure full legal and financial protection.

Yes. If you're self-employed or a 1099 contractor, your malpractice insurance premium is typically considered a business expense and is tax-deductible. Be sure to consult your tax advisor or accountant for guidance specific to your situation.

Yes! Many providers now offer instant online quotes and same-day coverage. Once you complete your application and payment, your proof of insurance is usually available immediately — perfect for credentialing or employment onboarding.

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