Is malpractice insurance mandatory for Ohio nurse practitioners?

Not by statute. Most Ohio hospitals, clinics, and collaborating-physician agreements require proof of coverage for credentialing or employment.

What policy limits do Ohio facilities typically require?

Many credentialing programs expect $1,000,000 per claim / $3,000,000 aggregate (or higher in certain specialties). Always follow your contract language.

Do I need tail coverage when I change jobs?

If your policy is claims-made and your next carrier won’t cover prior acts, you likely need tail. Occurrence policies don’t require tail.

What does Ohio’s Standard Care Arrangement (SCA) require?

Ohio APRNs practice under a Standard Care Arrangement with a collaborating physician/podiatrist and must notify the Ohio Board of Nursing of the collaborator within 30 days of beginning practice and updates within 30 days of changes.

Is APRN prescriptive authority independent in Ohio?

No. APRN prescriptive authority is tethered to the collaborating physician’s authority under Ohio law and rules.

Is independent practice coming soon?

A bill (HB 726, introduced August 29, 2025) proposes independent APRN practice but has not been enacted as of the page publication date.

Is malpractice insurance mandatory for Georgia nurse practitioners?

Not by statute. Most hospitals, clinics, and collaborating-physician agreements in Georgia expect proof of coverage, commonly $1,000,000/$3,000,000.

What policy limits do Georgia facilities typically require?

Many credentialing programs expect $1,000,000 per claim / $3,000,000 aggregate (or higher in certain specialties). Always follow your contract language.

Do I need tail coverage when I change jobs?

If your policy is claims-made and your next carrier won’t cover prior acts, you likely need tail. Occurrence policies usually don’t require tail.

What must a Georgia nurse protocol agreement include?

It must specify delegated acts, diagnostic studies, drug order/refill rules, and follow-up requirements, and it must meet Board criteria and be available on request.

Can Georgia NPs prescribe controlled substances?

Yes, within delegation and protocol limits. Since July 1, 2024, Georgia permits limited Schedule II prescribing (hydrocodone/oxycodone or compounds) only in emergencies and only if statutory conditions are met.

Do I need to register my nurse protocol agreement?

Yes. APRN Protocol Registration is handled through the Georgia Composite Medical Board portal, including updates and fees.

Ohio Nurse Practitioner Insurance

(Professional & Malpractice Coverage for Ohio NPs)

Whether you practice in hospital medicine, primary care, aesthetics, or telehealth, this Ohio-specific guide helps you choose the right malpractice coverage—quickly and confidently.

Professional Liability and Malpractice Insurance Built for Ohio Nurse Practitioners

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Why Ohio NPs Need Tailored Liability Insurance

Ohio law does not mandate that 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:

Puts you first in any claim defense
Follows you when you moonlight or change jobs
Meets common facility standards (often $1M / $3M total limits) in Ohio credentialing, even when not set by statute.

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What Does NP Liability Insurance Cover in Ohio?

Your policy may include:

Professional Liability (Malpractice) – Alleged errors, missed diagnoses, treatment claims
General Liability – Patient "trip and fall" injuries in your exam room
License Defense – Attorney fees if the Ohio Board of Nursing investigates a complaint
HIPAA & Cyber Liability – Data breaches, ransomware, privacy violations
Telemedicine Coverage – Ohio patients seen by video/phone (with cross-border notes below)

How Much Does NP Insurance Cost in Ohio?

Most NPs in Ohio pay $1,006 - $2,539 annually 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 may be underwritten for your exact situation.

Typical averages by NP risk class (full-time, experienced providers):

N1 (e.g., dermatology; geriatrics; women’s health—no L&D): ~$1,006/yr
N2 (psychiatric/mental health): ~$1,421/yr
N3 (family medicine, urgent care, pediatrics): ~$1,838/yr
N4 (cosmetic; OB/GYN incl. labor & delivery): ~$2,539/yr

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.

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Ohio-Specific Laws & Requirements

No Statewide Mandate to Carry Malpractice Insurance
Ohio does not impose a universal malpractice-insurance requirement on clinicians; coverage is typically driven by employer/credentialing contracts.

Mandatory Physician Collaboration

Ohio NPs practice under a Standard Care Arrangement (SCA) with a collaborating physician/podiatrist; the SCA and collaboration caps are set in statute. Ohio Laws
APRNs must notify the Ohio Board of Nursing of the collaborating physician’s identity within 30 days of beginning practice and update within 30 days of any change. Ohio Laws
Core APRN practice/licensure requirements are in Chapter 4723 OAC/ORC. Ohio Laws

Prescriptive Authority (Tied to Collaborator)

APRN prescriptive authority shall not exceed that of the collaborating physician/podiatrist; rules outline scope/limits. Ohio Laws

Malpractice Reporting (Regulatory Context)

Insurers that report NPDB malpractice payments may satisfy Ohio Board reporting by filing the NPDB report copy—one reason to keep your coverage/defense organized. Ohio Laws

Legislative Watch (Independence Bill)

HB 726 (Aug 29, 2025) proposes independent APRN practice in Ohio; as of September 17, 2025, it’s introduced but not enacted. Keep an eye on status; rule changes can alter credentialing and insurance norms. Ohio Academy of Family Physicians

FAQs from Ohio Nurse Practitioners

1) Is malpractice insurance mandatory for Ohio NPs?
Not by statute; however, most hospitals/clinics and collaborator contracts require proof of coverage for credentialing.

2) What limits satisfy most Ohio facilities?
Many credentialing programs expect $1,000,000 per claim / $3,000,000 aggregate (or higher for certain specialties). Always defer to contract language. Surgpli

3) Do I need tail coverage when I leave a job?
If your policy is claims-made and your next carrier doesn’t provide prior acts, you’ll likely need tail. Occurrence form doesn’t require tail.

4) Can I rely on my employer’s policy?
Employer policies generally prioritize the facility. Your own policy ensures dedicated counsel, portable coverage, and board-defense sublimits specific to you. (Context from industry guidance.)

5) What should my SCA include?
Scope/setting, collaboration details, prescribing parameters, and compliance with Ohio’s SCA standards; see OAAPN guidance and ORC/OAC references. OAAPN

6) Can I prescribe independently?
Ohio APRN prescribing is tethered to the collaborator’s authority and statutes/rules. Ohio Laws

7) Does telehealth change my coverage?
Most policies can include telehealth endorsements. If you treat patients in other states, verify licensure and coverage there as well.