Do nurse practitioners need malpractice insurance in Texas?

Texas law does not mandate malpractice insurance for NPs. However, hospitals, employers, and collaborating-physician agreements often require it, and most professionals carry their own policy to ensure portable coverage and independent defense.

What liability limits are typical for Texas NPs?

Many facilities ask for $1,000,000 per claim / $3,000,000 aggregate. Always check your hiring or credentialing documents, as some settings specify different minimums.

Claims-made vs. occurrence in Texas—what’s the difference?

Claims-made policies cover claims first made while the policy is active; you may need tail coverage when you switch jobs or cancel. Occurrence policies cover incidents that happen during the policy term, even if the claim is filed later.

Anything Texas-specific I should know?

Texas requires medical professional liability policies to include at least a 30-day automatic extended reporting period (ERP) on claims-made forms. Review your declarations for ERP and any offered tail options.

Texas Nurse Practitioner Insurance

Everything’s bigger in Texas—including liability. Whether you practice in family medicine, med-spa aesthetics, or rural telehealth, this guide shows you how to protect your Texas NP career with the right malpractice coverage.

Professional Liability and Malpractice Insurance Coverage Built for TX-Based Nurse Practitioners

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Why Texas NPs Need Tailored Liability Insurance

Texas law does **not** force nurse practitioners to buy malpractice insurance, but most hospitals, staffing firms, and collaborating-physician contracts do. A dedicated policy:

* Puts you—not the facility—first in claim defense
* Travels with you when you moonlight or switch jobs
* Meets typical Texas facility limits of **$200k / $600k** or higher

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What Does NP Liability Insurance Cover in Texas?

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 Texas BON investigates you
HIPAA & Cyber Liability – Data breaches, ransomware, privacy violations
Telemedicine Coverage – Covers Texas patients seen via video or phone

How Much Does NP Insurance Cost in Texas?

Most NPs in Texas pay $600–$1,300 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.

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Texas-Specific Laws & Requirements

**No Statutory Mandate:**
Texas does not require APRNs to carry malpractice insurance.

**Facility & Contract Standards:**
Most hospitals and collaborating-physician agreements set minimum limits—frequently **$200k per claim / $600k aggregate** or **$1M / $3M** to match physicians.

**“Going Bare” Risks:**
Texas allows providers to practice uninsured, but you must disclose lack of coverage if asked (§74.153 CPRC). Defending a lawsuit out-of-pocket can exceed $50k before trial.

**Closed-Claim Reporting:**
Carriers must report settled claims ≥$25k to the Texas Department of Insurance—another incentive to maintain coverage with license-defense sub-limits.

FAQs from Texas Nurse Practitioners

**1. Is malpractice insurance mandatory for Texas NPs?**
Legally no, but virtually every credentialing agreement demands proof of coverage.

**2. What limits satisfy most hospitals in Texas?**
Either **$200k / $600k** (mirroring the physician cap statute) or the more common **$1M / $3M** standard.

**3. Do I need tail coverage when I leave a job?**
If your policy is claims-made and your next carrier won’t provide prior acts, yes. Occurrence policies don’t require tail.