5 Common Myths About Nurse Practitioner Professional Liability Insurance (Debunked)
- Jeff Schmidt
- May 22
- 3 min read
Introduction: Don't Risk Your Career Based on False Beliefs
At CarePro Insurance, we specialize in professional liability insurance for nurse practitioners across the country. Over the years, we've heard countless myths — some harmless, some dangerously misleading — about malpractice insurance.
Believing these myths can leave you underinsured, unprotected, and vulnerable to career-altering claims.Today, we’re debunking the five most common myths nurse practitioners hear — and showing you how to get the right protection fast.
Myth #1: "I’m Covered Under My Employer’s Insurance, So I Don’t Need My Own Policy."
The Truth: Employer-provided policies primarily protect the employer — not you personally. In a claim, the employer’s interests (and reputation) come first.
Without your own policy:
You may not have personal legal counsel.
You might be left exposed if you're sued individually.
License board complaints may not be covered.
At CarePro Insurance: We make it easy to secure your own personal NP liability coverage — giving you full protection, not just what your employer decides.
Myth #2: "Nurse Practitioners Professional Liability Insurance is too Expensive."
The Truth: Affordable malpractice insurance for nurse practitioners absolutely exists — and is more accessible than you might think.
Depending on your specialty and location, you can often secure coverage starting at around $750–$950 per year.
For less than the cost of a daily coffee, you can protect:
Your license
Your career
Your financial future
Myth #3: "If I Don't Make Mistakes, I Won't Get Sued."
The Truth: Even if your clinical care is perfect, you can still be sued. Many malpractice claims arise from miscommunication, documentation errors, or misunderstandings — not negligence.
Stat to Know: According to CNA/NSO, over 58% of NP malpractice claims involved allegations unrelated to technical error.²
Malpractice insurance isn’t just about covering mistakes — it’s about covering allegations, valid or not.
Myth #4: "Only Physicians Need Professional Liability Insurance."
The Truth: Nurse practitioners are practicing with more autonomy than ever before — often serving as primary providers for patients. This expanded role increases liability exposure significantly.
In fact, many states require proof of insurance to maintain an independent NP license or collaborate under supervision.
Protecting yourself with a dedicated nurse practitioner malpractice insurance policy is now standard best practice — not optional.
Myth #5: "I’ll Worry About Insurance Later."
The Truth: Delaying coverage even for a few days could leave you vulnerable to claims — especially when:
Starting a new job
Opening your own practice
Moving between states
Beginning telehealth services
The good news?CarePro Insurance makes it easy to quote and bind coverage online in minutes — with no agent calls, paperwork, or waiting.
Why CarePro Insurance Is the Smartest Choice for NPs
Thousands of nurse practitioners trust CarePro Insurance because:
We specialize in healthcare professional liability — especially for NPs.
You can quote yourself instantly online.
Top-rated insurers protect your practice and future.
Nationwide access with coverage tailored to your specialty.
You deserve malpractice coverage that understands your role, your risk, and your career goals.
Final Thoughts: Don’t Let Myths Endanger Your Career
In today’s healthcare environment, having your own malpractice insurance isn't just a good idea — it's an absolute necessity.
Don’t let outdated myths leave you exposed. Protect your license, your reputation, and your financial future — with coverage that's affordable, comprehensive, and easy to get.
