5 Hidden Gaps in Nurse Practitioner Malpractice Insurance (And How to Avoid Them)
- Jeff Schmidt
- May 5
- 3 min read
Why Nurse Practitioners Must Audit Their Malpractice Coverage in 2025
At CarePro Insurance, we specialize in protecting nurse practitioners nationwide with comprehensive, high-quality professional liability insurance. With malpractice claims against NPs increasing by over 15% in the past five years, gaps in coverage can lead to devastating financial and professional consequences.
Yet too often, nurse practitioners unknowingly carry policies that leave them exposed.
Below, we reveal five hidden gaps you must check for in your current coverage — and how to secure full protection with CarePro's tailored NP policies.
1. Missing License Defense Coverage: Protect Your Career
Problem: Most NPs assume their policy automatically covers board investigations — but many basic malpractice policies do not.
Example: A patient files a complaint with your licensing board. Even if dismissed, defending your license could cost $25,000–$50,000 out-of-pocket without the right protection.
CarePro Solution: Every policy we recommend includes license defense coverage — covering legal representation, hearing costs, and appeals if needed.
2. Lack of HIPAA and Privacy Breach Protection
Problem: As electronic health records and telemedicine grow, HIPAA violations are a rising liability — but not all policies automatically cover them.
Stat: The average HIPAA violation fine exceeds $100,000 — even for unintentional breaches.
CarePro Solution: We ensure every NP policy includes regulatory defense coverage, protecting you against HIPAA-related claims and fines.
3. No Telemedicine Coverage in a Virtual Care Era
Problem: If your malpractice policy predates 2020, it may exclude telehealth services.
Risk: An uncovered claim from a virtual consultation could expose you personally to legal damages.
CarePro Solution: All policies through CarePro automatically extend coverage to telemedicine visits, with no additional charge as long as you are licensed to operate in that state.
4. No Affordable Tail Coverage Option
Problem: Claims-made policies require tail coverage if you retire, change employers, or switch insurers — but many NPs discover this only after leaving.
Cost Example: Without an affordable tail, you could pay up to 200% of your annual premium out-of-pocket.
CarePro Solution: Our claims-made options offer guaranteed, affordable tail coverage — locking in your protection even after policy cancellation.
5. Missing Consent to Settle Clause: Your Reputation at Risk
Problem: Without pure consent to settle, your insurer could settle a claim without your input, harming your professional standing.
CarePro Solution: We only work with insurers that require your written consent before any settlement — preserving your reputation and integrity.
Why CarePro Insurance Is the Smart Choice for Nurse Practitioner Malpractice Insurance
Exclusively Healthcare-Focused: We specialize in liability protection for NPs.
Instant Online Quotes: Skip the paperwork and get covered fast.
Top-Rated Carriers: Only A-rated insurers trusted by healthcare professionals.
Nationwide Coverage: Serving NPs in all 50 states with tailored options.
Trusted by Thousands: Nurse practitioners across the country choose CarePro for expertise, speed, and simplicity.
Final Thoughts: Protect Your Future, Today
Your expertise deserves expert protection. At CarePro Insurance, we go beyond basic coverage to deliver comprehensive nurse practitioner malpractice insurance built specifically for nurse practitioners.
Don’t wait to discover gaps after a claim. Get a fast, free quote and secure your peace of mind today:
