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Florida APRN Financial Responsibility: A Simple Checklist (Autonomous & Non-Autonomous)

Nurse practitioner with patient

Why this matters right now

If you’re an APRN practicing in Florida, credentialing teams will ask for “proof of malpractice” or “financial responsibility.” The requirement depends on whether you’re registered for autonomous practice. Here’s exactly what to show.


Autonomous APRNs: the rule in plain English

If you’re registered for autonomous practice under F.S. 464.0123, you must demonstrate financial responsibility by one of the following:

  • Malpractice insurance: at least $100,000 per claim / $300,000 aggregate, or

  • Irrevocable letter of credit: $100,000 / $300,000 meeting Chapter 675 requirements.

Exemptions exist (e.g., exclusive government employment, inactive status, teaching only).

Keep proof ready for credentialing. Online Sunshine


Not practicing autonomously?

The statute above applies to autonomous APRNs. If you’re not autonomous, there’s no statute mandating specific limits for APRNs; however, most employers and facilities require coverage, and many NPs/APRNs carry a personal policy to ensure portable defense and to cover moonlighting or telehealth. The Florida Board of Nursing provides a Financial Responsibility form outlining accepted proof options and exemptions—use it as your paper trail when applicable. Florida Board of Nursing


What limits do Florida facilities typically ask for?

Commonly $1,000,000 / $3,000,000, but check your contract or credentialing packet for specifics. If you do procedures, supervise staff, or work in multiple settings, consider whether higher limits or endorsements are warranted.


Claims-made vs. occurrence in Florida

  • Claims-made policies often cost less in year 1–2 but usually require tail when you leave.

  • Occurrence costs more up front but includes built-in “tail.”

  • If you’re autonomous, either approach works—just ensure your proof matches the $100k/$300k minimums (or LOC).


The APRN Financial Responsibility Checklist

□ Are you autonomous? If yes, confirm your proof method (policy limits or LOC).

□ Save a PDF of your policy declarations (showing limits, dates, and your name) or your LOC documentation.

□ If claims-made, note your retro date and whether a tail will be required.

□ If you moonlight or practice via telehealth, confirm that your policy may cover those settings and states.

□ Keep a copy of Florida’s Financial Responsibility form with your files (for reference, not for submission unless requested). Florida Board of Nursing


Common scenarios

  • New employer asks for “proof of malpractice.” → Send your dec page. If autonomous and using LOC, send the LOC documentation instead.

  • Switching from employed to independent practice. → If autonomous, bind a policy or establish an LOC before you open your doors.

  • Closing a clinic or retiring. → If you carried claims-made, get a tail quote sized to your practice risk period.


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Disclaimer

Sample content only—coverage, availability, and pricing are always underwritten and may vary by carrier and risk factors.

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