Why Pennsylvania NPs Need Tailored Liability Insurance
The state does **not** mandate malpractice insurance for nurse practitioners, but most hospitals and collaborating-physician agreements do.
A personal policy:
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Protects you if a claim exceeds an employer’s limits or falls outside its scope
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Provides **consent-to-settle** rights—important under Pennsylvania’s high jury awards
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Meets the common facility standard of **$1,000,000 per claim / $3,000,000 aggregate**
What Does NP Liability Insurance Cover in Pennsylvania?
Your policy may include:
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Professional Liability (Malpractice) – Alleged treatment errors or omissions
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General Liability – Patient injuries on your premises
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License Defense – Legal fees if the PA State Board of Nursing investigates you
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HIPAA & Cyber Liability – Data breaches, ransomware, privacy fines
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Telemedicine Coverage – Covers PA patients you treat virtually
How Much Does NP Insurance Cost in Illinois?
Claims-Made (Year 1): $700 - $1,500 annually
Occurrence Form: $1,150 - $1,950 annually
Pricing is dependent 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.
Pennsylvania Specific Laws & Requirements
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No Direct NP Mandate
Pennsylvania statutes don’t require APRNs to carry malpractice insurance, but you remain personally liable for any claim.
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MCARE Fund Applies to Physicians, Not NPs
The Medical Care Availability and Reduction of Error (MCARE) Fund supplies excess coverage for physicians with primary limits of $500k/$1.5M. Nurse practitioners are **not** eligible, so maintaining $1M/$3M primary limits is common practice.
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Closed-Claim Reporting
Insurers must file paid NP claims ≥$250k with the Pennsylvania Department of Insurance, influencing public claim statistics and future premiums.
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Collaborative AgreementWhen collaborating with a physician, the agreement usually states required limits—often mirroring physician standards.
FAQ's from Illinois Nurse Practitioners
Is malpractice insurance mandatory for PA NPs?
Legally no, but nearly every hospital, telehealth platform, and collaborating agreement demands proof.
Does the MCARE Fund cover nurse practitioners?
No. MCARE excess coverage applies to physicians and certain midwives; NPs need their own policy.
Do I need tail coverage when I leave a job?
If you carry a claims-made policy and your next carrier won’t grant prior acts, yes. Occurrence policies don’t require tail.
Covering NP's Across Pennsylvania
We help NPs across the state, including:
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Philadelphia
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Pittsburgh
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Allentown
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Erie
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Reading
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Scranton
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Harrisburg
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Lancaster
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State College
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and every county statewide
Get Covered Today
Join thousands of Pennsylvania NPs who trust us for fast, affordable protection.
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Our partner program gives PA Nurse Practitioners access to A-rated carriers at competitive pricing.